How much would you keep?
Surcharging routes the credit card processing fee from your P&L to the customer’s receipt — fully disclosed, capped, and compliant. Adjust the inputs to model what would land on your bottom line each year.
- 01Pick the vertical that matches your business.
- 02Drag your monthly card volume, ticket size, credit-vs-debit mix, and surcharge percentage.
- 03Send the modeled output to a specialist for a written program design.
Network rule: capped at your true cost of acceptance or 3.0% — whichever is less.
Modeled txns/mo
429
Switch-to-debit
22%
Annual recovery to your bottom line
$39,424
At a 3.00% surcharge on credit transactions, with 78% credit mix and an estimated 22% of credit users moving to debit, you keep about 1.83% of total card volume that previously left as processing fees.
Monthly recovery
$3,285
vs. status quo (annual)
$53,600
Per-txn auth fee
$0.10
Get a written surcharge program design tailored to your statement and your state.
The recovery figure is computed as your credit-card volume × the surcharge percentage, after deducting an estimated switch-to-debit behavioral effect (customers choosing to pay with debit or cash to avoid the disclosed fee). The status-quo comparison subtracts the modeled net cost from your current effective rate × credit volume.
Surcharging is governed by Visa, Mastercard, Discover, and American Express network rules and by state law. The maximum surcharge is the merchant’s actual cost of acceptance or 3.0%, whichever is less. Surcharging is not currently permitted for merchants in Connecticut or Massachusetts; rules in other states (including Maine and New York) require specific disclosures. Apex confirms eligibility before go-live and handles network registration.