HVAC
For heating and cooling contractors billing in the field.
Offset Credit Card Fees with Clear Disclosure.
Surcharging lets eligible merchants add a disclosed fee to credit card transactions where allowed, while keeping debit and prepaid card rules in mind.
Businesses where Surcharging May Fit
Surcharging touches many business models, but it requires careful configuration, signage and card-type handling.
Car Dealerships
For franchise and independent dealers.
Plumbing
For plumbing companies and solo plumbers.
Jet & Charter
For private jet charter operators, brokers and aviation services.
Restaurants & Bars
Pay at the table, add tips and keep busy service moving.
Retail
For independent shops and multi-store retailers.
Bail Bonds
For licensed bail bond agencies.
Pawn Shops
For licensed pawn shops.
Movers & Brokers
For local and long-distance movers and storage operators.
Furniture Stores
For furniture showrooms, mattress stores and home decor retailers.
Not Listed?
A specialist can match almost any business in one call.
Benefits of Surcharging
Straightforward guidance and modern tools, matched to how your business actually gets paid.
Reduce Processing Fee Pressure
Shift eligible credit-card costs to customers who choose that payment method.
Works with Current Systems
Configure compatible POS, gateway or terminal workflows around your operation.
Compliance-Minded Setup
Use signage, receipt lines and card-type rules to reduce avoidable mistakes.
Everything You Need, Ready to Set up.
What MannyPay can configure for your business.
Request a quote- Credit-Card-Only Surcharge Handling
- Debit/Prepaid Exclusions
- Entrance and Checkout Signage
- Receipt Line Items
- Refund Handling
- State and Card-Brand Rule Review
- Entrance and Checkout Signage
- Receipt Line Items
- Refund Handling
- State and Card-Brand Rule Review
- Credit-Card-Only Surcharge Handling
- Debit/Prepaid Exclusions
- Refund Handling
- State and Card-Brand Rule Review
- Credit-Card-Only Surcharge Handling
- Debit/Prepaid Exclusions
- Entrance and Checkout Signage
- Receipt Line Items
Frequently Asked Questions
Still have a Question?
A MannyPay specialist can walk you through it, with no obligation.
Can I surcharge debit cards?
No. Debit and prepaid cards generally cannot be surcharged, even when run as credit.
Is surcharging legal everywhere?
No. Surcharging rules vary by state and card network, so eligibility must be checked before launch.
What disclosure is needed?
Customers should see clear communication before and after the transaction, including signage and receipt details.
What disclosures are required?
Businesses using surcharging typically need appropriate customer signage, checkout disclosures, and receipt language. MannyPay provides guidance to help ensure customers receive clear notice before completing a transaction.
Can I still accept debit cards?
Absolutely. Debit and prepaid cards continue to be accepted as normal. Only eligible credit card transactions are configured for surcharging where permitted.
Will my current POS or terminal work?
In many cases, yes. MannyPay supports a wide variety of payment terminals, POS systems, gateways, and eCommerce platforms. Our specialists will review your current setup and recommend the best configuration.
Let’s Find the Right Surcharging Setup.
Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway and pricing. No obligation, no pressure.
- Call us1-844-MANNYPAY
- Merchant support7 days a week
- Write to ussales@mannypay.io
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