Rev19 Surcharging Program

Everything you need to know about surcharging compliance & practices
What is surcharging?

Rev19’s surcharge program successfully sets the stage for merchants to pass credit card processing costs onto the consumer. What if you could save thousands of dollars on your processing fees every year?

Benefits of the Program

Receive 100% of the sales price when customers pay by credit card.

Seamless integration and compatible with POS systems.

Compliant with major credit card associations and various state restrictions.

Automated surcharge alert and notice of alternative payment options.

Technology & Equipment

Below is a list of the devices we offer that are fully certified within our surcharge program. We strive to offer a solid mix of technology and equipment to accomodate the most common merchant needs.

Pax S80                                          Dejavoo V Series

Having a simple approach to surcharging is important for both merchants and consumers alike. Our surcharging program gives you the opportunity to focus on operating your business while simultaneously taking hold of every savings opportunity. The rules around surcharging are quickly changing and Rev19 stays on top of industry regulations to provide merchants with the best possible products and services.


Easy Setup


One-time & Recurring Transactions


 Accept All Card Types


 In-House Expertise & Tech Support

Common Misconceptions

Surcharge, cash discount, convenience and services fees – what
are they and how do they work?


A surcharge, also referred to as a ‘checkout fee,’ is a fee passed on to the consumer during a credit card transaction that covers the cost of accepting that payment method. When a customer chooses to pay with a credit card at check out, the POS system or terminal automatically detects the card type and imposes the surcharge on that transaction type only. Before the transaction is processed, the POS system or terminal notifies the consumer of alternative payment options such as debit card, check, or cash if they wish to avoid a paying the surcharge.

Convenience Fee

A convenience fee is charged despite the payment method used. It must be based on providing actual convenience to the customer and can only be charged on alternative payment channels to be considered compliant. For example, a merchant can charge a 2% convenience fee on credit card, gift card, e-check, and other payment method if the customer pays online versus in person. Card brands have varying rules around whether or not you can charge convenience fees as a percentage or a flat fee. Operating within compliance guidelines becomes increasingly difficult within this model.

Cash Discount

A cash discount is a marketing and sales tactic that a merchant utilizes to apply a small discount on all debit card or cash transactions upon checkout. Product prices are listed to include a small credit card fee which is then reduced if the customer chooses to pay with cash or a debit card. The discounted product/service cost is meant to encourage customers to pay with cash or debit but is a difficult message to communicate and can cause a lot of frustration for customers who rely on credit cards while shopping. 

Service Fee

Service fees are imposed to cover alternative costs other than payment acceptance. Service fees fall under the categories of labor costs, delivery fees, fuel costs, and services fees in lieu of tipping. If the service fee is not actually added based on covering the cost of one of these aforementioned categories, the transaction is not compliant.


How long do I need to wait before surcharging?

Merchants must be registered with the card brands for 30 days prior to surcharging their customers. Once you decide to begin surcharging, Rev19 will communicate with the card brands and help you get started.

Do I need to notify customers of the surcharge?

Yes! You will need signage at the point-of entry, point-of-sale, and on the receipt. Rev19 will ensure that you are set up with compliant POS systems and terminals with surcharge language printed on the receipt. If you have questions about compliant surcharge signage at the point-of-sale, please contact our customer care team.

Is there a limit to how much can be surcharged?

Yes. Merchants are currently limited to a surcharge maximum of 4%.

What type of transactions can I surcharge?

As of now, only credit card transactions may be surcharged. Surcharges cannot be applied to debit, prepaid, cash or check transactions.


Want to implement the Rev19 Surcharge Program in your business model?
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