Accept Credit Cards Online Without All the Costs
Looking to reduce your operating expenses? If you accept payments online and would like to pass the credit card acceptance fees onto your customers, now you can with Heartland Online Payment Surcharge Program.†
What is Surcharge for Online Payments?
It lets you pass the cost of credit card acceptance to your online customers.
Instead of your business paying for a credit card transaction, the cardholder pays.
Calculating Surcharge Fees
Credit card processing fees are removed from the transaction's total amount, including tax and any added surcharges. Here's an example of a $100.00 payment with an added 3.5% surcharge for the credit card processing fee:
*This is a sample rate, processing rates may vary
Automatically identifies eligible credit cards, then calculates and adds the processing fee to the amount due, resulting in no transaction cost to you.
Reporting and Data
Analytics and reporting provide trends and collection totals, including a breakdown of how much you've saved by adding processing fees at checkout.
If you're interested in enabling this surcharge feature, you'll need to integrate it with your Heartland account, or we can help you update your existing integration.
Clear and Compliant
A disclosure with an exact breakdown of charges is visible on the payment form or payment page before payment.
Important Notes About Surcharge
Debit card surcharge rules may vary by state, regulatory, or card network rules. We will let you know if surcharges are permitted in your area and take care of the Card Brand registrations so that you remain 100 percent compliant.
† Applies only to credit card transactions. Does not include other associated processing fees for processing debit or prepaid cards or other associated processing fees. Surcharge is not available in the following states: Colorado, Connecticut, Kansas, Massachusetts, Maine, and Oklahoma. Please note that not all states permit the imposition of a surcharge, and there are limitations and policies that are state-specific. Compliance with state surcharging laws are the responsibility of the merchant.
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