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Credit Card Surcharge Signage – Rules, Templates & Examples   

| December 17, 2024

Learn how your credit card surcharge sign must look and be presented to your customers. Surcharge signage examples and templates are included

Adding a surcharge to credit card transactions is a common way for businesses to offset processing fees. However, as a merchant, it’s essential to communicate this clearly and effectively to your customers whenever you do that. Proper card surcharge signage ensures transparency, avoids misunderstandings, and keeps you compliant with card network rules and local regulations.… Continue reading Credit Card Surcharge Signage – Rules, Templates & Examples   

Are Debit Card Surcharges Legal? What You Need to Know

| December 9, 2024

In the US, surcharging debit card transactions is not allowed. Learn why — and what merchants can do instead to lower their processing fees.

If you’ve ever seen a business add a little extra fee to your total when you pay with a card, that’s called a surcharge. Merchants use surcharge programs to cover the costs of credit card processing fees, which can eat into their profit margins.  But when it comes to debit card transactions, surcharges are a… Continue reading Are Debit Card Surcharges Legal? What You Need to Know

Passing on Credit Card Fees to Customers – Do’s and Don’ts

| October 23, 2024

Learn the best methods for passing credit card fees to customers while staying compliant and avoiding common mistakes.

Running a business comes with all kinds of costs, and credit card processing fees are one of them. These fees can quickly add up, cutting into profits and making it harder to stay competitive. To help manage these costs, more and more merchants are exploring ways to pass credit card fees on to their customers. … Continue reading Passing on Credit Card Fees to Customers – Do’s and Don’ts

A Quick Guide to Non-cash Adjustments for Merchants 

| October 21, 2024

Learn the legal, technological, and practical requirements for setting up non-cash adjustment fees and programs at your place of business.

With more customers opting for credit and debit cards over cash, merchants are looking into different ways to offset processing costs. That’s where non-cash adjustments come in — they help businesses manage these expenses without cutting into profits. This article will break down everything you need to know about non-cash adjustments. We’ll explore what they… Continue reading A Quick Guide to Non-cash Adjustments for Merchants 

Cash Discount Signage – Free Templates and Examples

| October 14, 2024

Ensure that your cash discount signage looks right & satisfies all of the requirements set by card brands with our cash discount program sign

If you’re a business owner looking to implement a cash discount program, proper cash discount signage is not just a practical necessity — it’s a legal requirement. Luckily, the guidelines are fairly straightforward.  In this article, we’ll outline how your cash discount signage should look and sound, explain the specific requirements set by major credit… Continue reading Cash Discount Signage – Free Templates and Examples

What Is a Convenience Fee and How it Differs from a Surcharge

| June 15, 2024

Learn what is a convenience fee, how it differs from a surcharge, and what are the rules and regulations for implementing it.

Over the past few years credit cards have become the most used payment method. For many businesses out there, this means high credit card processing costs — and lower profits. One common way merchants can reduce some of the costs associated with accepting credit card payments is to charge a convenience fee.  In this article, we’ll… Continue reading What Is a Convenience Fee and How it Differs from a Surcharge

Steps for Implementing a Merchant Surcharge Program

| April 27, 2024

If you are considering implementing a merchant surcharge program, here is everything you need to know to get started.

In 2022 alone, US merchants paid a record 161 billion in processing fees. As the number of credit card purchases continues to increase, it’s unsurprising to see more and more merchants implementing surcharge programs in an effort to lower their processing costs.    Currently, it is estimated that 5-10% of US businesses who already accept credit… Continue reading Steps for Implementing a Merchant Surcharge Program

Dual Pricing in Credit Card Processing – Eliminate Transaction Fees

| March 4, 2024

Learn how dual pricing merchant services works, how it differs from surcharging, and how to implement no fees credit card processing.

Rising credit card processing fees have been putting pressure on merchants for a while, and the landscape keeps getting worse. Mastercard and Visa continue to increase their rates, costing merchants millions annually in processing fees. Implementing dual pricing merchant services can help individual merchants save thousands of dollars per month on their payment processing services.… Continue reading Dual Pricing in Credit Card Processing – Eliminate Transaction Fees

No Fee Credit Card Processing – Explained

| April 14, 2023

The ultimate guide to no fee credit card processing. The Pros, the cons, legal requirements, and implementation considerations

As businesses rely more on accepting credit card payments, they need reliable and affordable payment processing. No fee credit card processing is a solution designed to assist compliant merchants in minimizing fees when accepting debit and credit card payments. In this post, we will explain everything you need to know about zero fee processing, including… Continue reading No Fee Credit Card Processing – Explained

Credit Card Surcharge – How it Works and How to Calculate It

| October 13, 2022

Learn what a credit card surcharge is, the legal rules and regulations about surcharging, and how to calculate a credit card surcharge fee.

According to the Federal Reserve, customers prefer using their credit cards at checkouts. Their 2024 Diary of Consumer Payment Choice report shows that more than 60% of payments are made with credit (32%) and debit cards (30%). This is convenient for the consumer but leaves merchants facing extra processing costs. These fees can eat into… Continue reading Credit Card Surcharge – How it Works and How to Calculate It

How to Implement a Cash Discount Program and Lower Your Merchant Processing Fees

| October 11, 2022

Learn how a cash discount program works, and how to implement it in your place of business and save on credit card processing fees.

A cash discount refers to a reduction in the price paid for goods or services that sellers offer customers to incentivize cash payments. It’s a common method merchants use to encourage quick payment, reduce fees associated with credit card processing, and improve their cash flow. When implemented correctly, cash discount programs are completely legal. They… Continue reading How to Implement a Cash Discount Program and Lower Your Merchant Processing Fees

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

Subscription payment processing enables businesses to charge customers on a recurring basis — most often monthly or annually — without requiring a manual entry for each occurrence. This model is the backbone of subscription-based businesses like SaaS companies, streaming services, membership programs, and even meal kit deliveries. A reliable and efficient payment processing system is critical for businesses running on subscriptions. It simplifies transactions, reduces payment failures, and ensures customers don’t jump to a competitor because of a preventable billing issue. In this guide, we’ll break down the different types of subscription payment models, explain how subscription billing works, and walk through the key components that make it all run smoothly.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.