01 · Notify customers
Clear signage at entry & register.
Disclosure required at the point of entry and the point of sale. We provide compliant signage in the format card networks require.
A compliant 3% surcharge applied only to credit card transactions. Debit cards and cash are exempt — the way card-network rules require. Customers who choose the more expensive payment method are the ones who pay for it.
No menu changes. No price increases. The surcharge is added at checkout only when the customer chooses to pay with a credit card — and only after they've been clearly notified.
Disclosure required at the point of entry and the point of sale. We provide compliant signage in the format card networks require.
When a card is dipped or tapped, the terminal reads its BIN to determine credit vs debit. Surcharge applies to credit only — automatically.
The surcharge appears as its own line on the receipt — not bundled into the subtotal. Required by card-network rules and standard for compliance.
Visa, Mastercard, and state law each impose specific requirements. Get any of them wrong and the program is invalid. DMP handles all of them.
Entry and POS signage in the exact format card networks require — provided and installed by us. No guesswork on wording.
Surcharge cannot exceed your actual cost of acceptance, capped at 3% under current network rules.
Network rules prohibit surcharges on debit cards. The POS auto-distinguishes via BIN lookup.
Two states currently restrict surcharging. We confirm eligibility and program accordingly.
Required at entry and POS. We design and ship signage that meets every network's specific wording.
Surcharging is the most precise of the four programs — only credit cards pay. But it has the strictest compliance requirements. Here's what to weigh.
Surcharging has more compliance touchpoints than the other fee-recovery programs. Network filings, state law, signage wording, BIN detection, the 3% cap, ongoing audit — each is a place to get it wrong. We handle all of it for the life of your account.
State law, business type, and merchant category. We confirm before quoting.
Entry and point-of-sale signage supplied by DMP — compliant wording, exact format required by card networks, installed before go-live.
Your team will know how to explain the surcharge confidently. We provide the scripts and answer the hard questions.
Rule changes, rate updates, and audit support — for the life of your account.
We'll confirm your eligibility, walk through the compliance steps, and model the savings on your specific card mix.