Myths

Facts

  • Surcharging will hurt my customers.

    Surcharging is pro-consumer. Surcharge bans forced merchants and their cash and debit using customers to pay enormous hidden fees, in return for all the “free” rewards that credit card holders enjoy.

    No wonder US consumer groups like US PIRG, National Association of Consumer Advocates, and the National Consumers League support the right to surcharge.

  • My customers won’t understand the surcharge.

    Consumers get it.

    Whether it is a fee for wifi on an airplane or for parking at a hotel, consumers understand when businesses pass along their costs to the people using a particular service.

  • My customers will refuse to pay a surcharge on credit cards.

    Many consumers will switch to cheaper payment forms.

    Real world experience shows that customers either pay the surcharge (e.g. to earn reward points) or switch to a payment form that doesn’t incur a surcharge.

    In fact, in Australia, where surcharging has been permitted for a decade, more than 60% of large merchants impose surcharges. They wouldn’t do that if they lost business.

  • The banks and credit card networks will crack down on me for adding surcharges.

    The rules have changed.

    Merchants are now legally allowed to surcharge credit card transactions and surcharging programs that comply with the rules are legally protected.

  • Some states prohibit merchant surcharging.

    True, some states still don’t allow surcharges.

    However, successful legal challenges have been mounted against the surcharge bans in key states.  The United States Supreme Court heard arguments on those challenges in January, and a ruling is expected before the Court adjourns for the Summer.   We expect that the surcharge bans will fall.

  • OK, but online merchants can’t surcharge.

    Sure they can.

    But the location of the merchant and customer can be relevant, and the law on this issue is still evolving. For more information, please contact us

  • I’ll need to retrain my employees.

    PassThrough makes it simple.

    There’s no need to for any new training. Just swipe the card as usual, and PassThrough does the work. We make sure that credit cards get surcharged every time.

  • I’ll have to learn a ton of complicated regulations

    PassThrough stays up-to-date.

    Our system is totally compliant with all the card network rules and state laws, so you don’t have to worry. We really know this stuff.

  • Surcharging will hurt my customers.

    Surcharging is pro-consumer. Surcharge bans forced merchants and their cash and debit using customers to pay enormous hidden fees, in return for all the “free” rewards that credit card holders enjoy.

    No wonder US consumer groups like US PIRG, National Association of Consumer Advocates, and the National Consumers League support the right to surcharge.

  • My customers won’t understand the surcharge.

    Consumers get it.

    Whether it is a fee for wifi on an airplane or for parking at a hotel, consumers understand when businesses pass along their costs to the people using a particular service.

  • My customers will refuse to pay a surcharge on credit cards.

    Many consumers will switch to cheaper payment forms.

    Real world experience shows that customers either pay the surcharge (e.g. to earn reward points) or switch to a payment form that doesn’t incur a surcharge.

    In fact, in Australia, where surcharging has been permitted for a decade, more than 60% of large merchants impose surcharges. They wouldn’t do that if they lost business.

  • The banks and credit card networks will crack down on me for adding surcharges.

    The rules have changed.

    Merchants are now legally allowed to surcharge credit card transactions and surcharging programs that comply with the rules are legally protected.

  • Some states prohibit merchant surcharging.

    True, some states still don’t allow surcharges.

    However, successful legal challenges have been mounted against the surcharge bans in key states.  The United States Supreme Court heard arguments on those challenges in January, and a ruling is expected before the Court adjourns for the Summer.   We expect that the surcharge bans will fall.

  • OK, but online merchants can’t surcharge.

    Sure they can.

    But the location of the merchant and customer can be relevant, and the law on this issue is still evolving. For more information, please contact us

  • I’ll need to retrain my employees.

    PassThrough makes it simple.

    There’s no need to for any new training. Just swipe the card as usual, and PassThrough does the work. We make sure that credit cards get surcharged every time.

  • I’ll have to learn a ton of complicated regulations

    PassThrough stays up-to-date.

    Our system is totally compliant with all the card network rules and state laws, so you don’t have to worry. We really know this stuff.