Retail surcharging for qualified card-present merchants

Top Rank Commerce offers surcharging only for qualified card-present merchants. Card-not-present merchant accounts remain the primary focus.

Where it belongs

Surcharging is a retail service

For online merchants, we start with processor placement, gateway setup, fraud exposure, chargebacks, and funding. We discuss surcharging separately for retail merchants whose equipment, location, and customers make it appropriate.

Credit versus debit

Give the customer a clear payment choice

The surcharge applies only to eligible credit cards and must stay within applicable requirements and actual processing costs.

Debit and prepaid

No surcharge

Debit and prepaid cards are not surcharged. The terminal must identify and handle each card type correctly.

Eligible credit cards

Disclosed surcharge up to 3.00%

Qualified merchants can offset eligible credit-card costs, but debit, prepaid, surcharge caps, and state rules still apply.

Before rollout

Check these four details

Merchant qualificationBusiness type, location, processing profile, and customer setting.

Card type behaviorCredit is treated differently from debit and prepaid.

Receipt and terminal setupConfirm equipment behavior and receipt details before rollout.

Customer-facing disclosureClear notice helps customers understand the credit-card choice.

Qualification

Surcharging has to suit the merchant and customer

Top Rank Commerce checks the merchant category, equipment, state, actual costs, and customer setting before recommending a program.

Credit-card surcharge setup, not debit or prepaid surcharging.
Available to qualified United States retail or card-present merchants.
Receipt, terminal, and customer-facing details reviewed before rollout.
Free desktop terminal for qualifying accounts processing at least $10,000 per month.*