Surcharging done by the rules

A surcharge passes part of your credit card cost to customers who choose credit. Roots sets up credit-only surcharging with the right caps, notices and receipt lines, checks your states, and switches you to a cash discount where surcharging isn't allowed.
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Credit Card Surcharging

A surcharge passes part of your credit card cost to customers who choose credit. Roots sets up credit-only surcharging with the right caps, notices and receipt lines, checks your states, and switches you to a cash discount where surcharging isn't allowed.
  • State-by-state eligibility review
  • Network registration and 30-day notice
  • Terminal/gateway surcharge and BIN setup

Merchant Account

Roots Payments sets up merchant accounts through its sponsor-bank processing relationships, with interchange-plus pricing you can read and a named contact who answers. Use it with our gateway, Roots POS or compatible terminals.
  • Underwriting prep and application help
  • Statement review against your current processor
  • Equipment and gateway setup
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Credit Card Surcharging for your industry

Credit Card Surcharging questions

A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan your workflow and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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