0% Surcharge Credit Card Processing
Eliminate 100% of your processing fees—pay $0 on every credit card sale while staying fully compliant with card‑brand and state regulations.
How the Program Works
- You set your retail price as usual.
- At checkout, a non‑cash adjustment (up to 3.5%) is automatically added only to credit card transactions.
- Debit, prepaid, and cash payments remain at the posted price (per network rules).
- Centaurus remits the surcharge to the card networks—you keep 100% of the sale amount.
Note: Program is sometimes called “Cash Discount” or “Dual Pricing.” We handle the math and receipt disclosures so you stay compliant.
Key Features & Benefits
- Zero Processing Cost – Stop losing 2–4% of revenue to fees.
- Instant Savings – See bottom‑line impact on Day 1.
- Automatic Calculation – Terminals & POS apply surcharge for you.
- Transparent Receipts – Line‑item shows surcharge per card‑brand rules.
- Optional Debit Optimization – Route debit at low regulated rates instead of surcharging.
- State‑by‑State Compliance – Legally approved in 48 states; Centaurus advises on local signage.
- Free Signage Kit – Door & register decals included.
- No Long‑Term Contract – Month‑to‑month, cancel anytime.
- 24/7 Support – U.S.‑based team with surcharge expertise.
- Compatible Hardware – Works with Clover, Dejavoo, PAX, & more.
Sample Savings
| Monthly Card Volume | Typical Fees (2.9%) | Your New Cost |
|---|---|---|
| $25,000 | $725 | $0 |
| $50,000 | $1,450 | $0 |
| $100,000 | $2,900 | $0 |
Actual savings depend on card mix and surcharge rate selected.
Compliance Made Easy: Visa, Mastercard, and most state laws permit surcharging up to 3%–4% on credit cards when consumers are notified before purchase. Centaurus handles the registration, signage, terminal programming, and ongoing updates for you.
Surcharging is not allowed on debit or prepaid card transactions. We automatically detect and exclude them.
Frequently Asked Questions
Industry data shows <1% cart abandonment when signage is clear—most customers already expect service fees. You can always cap the surcharge or run promotions to offset perceptions.
Debit transactions stay at your low wholesale rate (often < 0.5%). We can enable debit‑only routing to keep checkout seamless.
Yes—choose a free Clover device or reprogram your existing EMV terminal at no cost.
Questions? Call (888) 731-0456.