Pass your credit card processing fees to your customers, allowing you to accept credit cards at zero cost (0%). Effortlessly handle surcharges, convenience fees, and service charges for maximum savings.
– ACCEPT CREDIT CARDS AT 0% COST –
Enjoy free 0% credit card processing with Surcharge
Fair, Transparent Pricing
No hidden fees, monthly fees or contract here.
Credit Card
$0
3.00%
Debit Card
1.00% + 25¢
$0
Base amount: $200
Surcharge: 3.00%
Customer pays
$206.00
You keep
$200.00
Base amount: $200
Flat rate: 1.00% = $2.00
Transaction fee: $0.25
Customer pays
$200.00
You keep
$197.75
FREE surcharge-compatible Terminal POS with access to low wholesale pricing
Get cost-effective solutions for taking payments at your register, within your office or clinic, or while you’re mobile.
*Receive a $200 credit towards wholesale purchases, ONLY eligible for SURCHARGE accounts processing over $30,000 monthly after 3 months, then recheck every quarter.
Ingencio Desk 3500
A cost-effective entry-level offering that provides an easy setup and experience. Ethernet & WiFi-enabled connection, non-mobile.
+Free Basic Online Invoicing via Talech Virtual Terminal
Free
Wholesale Price: $193
Ingenico Move 5000
Intuitive 3.5” color interface for best-in-class user experience with sleek design for high-end environments, includes charging base for Ethernet & WiFi-enabled. Fully Mobile
+Free Basic Online Invoicing via Talech Virtual Terminal or Advanced Virtual Terminal via Converge ($20/mo)
$474 (30% OFF)
Wholesale Price: $674
Ingenico Desk 3500: Cost-Effective Entry Terminal With Easy Set-Up
Wholesale Price: $193
+Free Basic Online Invoicing via Talech Virtual Terminal
A cost-effective entry-level offering that provides an easy setup and experience.
- Supports chip, swipe, contactless, and digital wallet payments
- Option to add customer-facing PIN pad
- Designed for the countertop
- Card Present required for REFUND (Full or partial)
- Ethernet Wired & WiFi connection, but need to directly wired to power source
Connect and ready to go! Offers a seamless payment experience with security standards
The MOVE 5000 Terminal: Wireless/Wired Point-of-Sale Solution!
Wholesale Price: $674
+Free Basic Online Invoicing via Talech Virtual Terminal or Advanced Virtual Terminal via Converge ($20/mo) )
Sleek design for high-end environments with an enhanced Intuitive interface for best-in-class user experience. Never disconnect via automatic network switching with both Wifi or wired connection with FREE Charging BASE included.
- Large 3.5-inch color touchscreen that helps create an optimized experience
- Secured Telium TETRA OS with top-of-the-line encryption technology to keep data safe.
- NFC couponing, chip & PIN, swipe and sign, contactless
Simply connect your Terminal via WiFi for an end-to-end solution for in-person payments.
The Surcharge Program Rules
Our surcharge program turns every purchase into a win-win for both you and your customers.
Regulations | Solutions |
---|---|
The merchant must be registered with the major card brands. | Elavon will register you with the necessary card brands. |
The merchant must inform customers of surcharges on all credit card transactions. | We will provide signage which displays the surcharge on the receipt. “A surcharge of 3% will be added to all credit card transactions, which is not greater than our cost of acceptance. This charge does not apply when paying by cash, check, or debit card” |
The credit card fee must not exceed 3%, and the merchant cannot profit from the fee. | Our surcharge solution charges customers a 3% fee for credit card purchases, ensuring merchants don’t pay any of the fee. |
The credit card fee and product or service price must be processed together. The receipt must show the credit card fee as a separate line item. | Our surcharge solution automatically adds the credit card fee as a separate line item on receipts. |
The merchant cannot apply a fee to debit cards. | Our surcharge program automatically detects if the card used is a credit card or debit card. If a debit card is used at the time of sale there will be no surcharge added to the transaction. Merchant will pay the 1% debit fee |
Available only in 46 States | As of 2025, our 3% surcharge program is NOT available in:
|
FAQ.
A credit card surcharge is an added fee that businesses sometimes apply to customers who choose to pay with a credit card. Its primary purpose is to offset the processing costs that the merchant incurs from card transactions. Typically, this surcharge is calculated as a percentage of the purchase total, matching the merchant’s own credit card processing rate.
Across most of the United States, credit card surcharges cannot exceed 3%. The main exception is Colorado, where the upper limit is 2%. That said, the actual cap on surcharges depends on the specific processing fee a merchant pays. In other words, if your negotiated processing rate is 2.5% (as opposed to 3%), then your surcharge cannot surpass 2.5%.
It’s also important to distinguish surcharges from convenience fees. Convenience fees are charged for using a specific payment method—like phone or online transactions—rather than simply for using a credit card. Surcharges, on the other hand, are strictly meant to recoup the costs of credit card processing.
A convenience fee is a charge that businesses add when a customer pays through a method that is different from the merchant’s standard form of payment. For example, if a brick-and-mortar store typically accepts in-person cash or card transactions, it might charge a convenience fee for payments made online or by phone. This fee typically covers the additional costs associated with processing these alternative payment methods.
Unlike credit card surcharges—which are calculated as a percentage—convenience fees are usually structured as a flat amount. They often appear for more substantial payments, such as mortgage bills, property taxes, college tuition, and other large transactions. However, they can also be applied to everyday purchases in certain cases.
Not exactly. For years, many small businesses in the U.S. have offered lower prices to customers who pay with cash. Surcharging simply means passing on the cost of accepting credit cards to the customer. Your customers can always choose to pay with a debit card to avoid the credit card surcharge.
Yes, as of 2025, only in 46 states. Businesses must display a sign at the point of sale informing customers of the 3% fee on credit card transactions, which they can avoid by paying with a debit card. We provide this signage for you.
For 2025, generally, yes, you can impose a surcharge on credit card transactions. At the federal level, there is a limit of 4% on credit card surcharges. Debit card surcharges, however, are prohibited in every state.
That said, the following states do not allow credit card surcharges:
- Connecticut
- Maine
- Massachusetts
- California (effective July 1, 2024)
Other states permit surcharging but have specific rules:
- Colorado: Allows credit card surcharges up to 2%. You will cover the 1% credit fee, total 3%
- New York, New Jersey, Nevada, and South Dakota: Surcharges must not exceed the merchant’s actual cost of card acceptance.
- Texas: Officially bans surcharges but allows convenience fees, service fees, and cash discounts. Federal courts have challenged Texas’s ban.
- Kansas: Anti-surcharge laws exist but have been overturned. Merchants must include credit card fees in the listed price to lawfully implement surcharges.
- Georgia: Permits convenience fees if there are alternative payment methods available.
- Minnesota: Allows surcharging with conditions. Mandatory fees must be included in the advertised price unless the fee can reasonably be avoided by the consumer (effective January 1, 2025).
In the remaining 37 states, surcharging appears to be allowed under most circumstances. However, make sure to consult legal counsel and verify state-specific regulations.
Credit card companies charge a fee for each credit or debit card payment processed. Typically, this fee is paid by the business owner. With ODoF Merchant Services, you get compliant signage and equipment to accept credit cards without paying any fees. If a customer uses a debit card, our system will charge you a flat fee of 1% + 25¢ per transaction. Otherwise, Cash is entirely free.
Absolutely. Your daily savings will be significant and your monthly statement will only include debit card processing fees.
Businesses using the surcharge model have NOT reported a drop in sales. Customers have more payment options and can avoid surcharges by using cash or debit cards. With proper marketing, a surcharge program can help increase your annual revenue while reducing expenses.
FSA/HSA cards are treated like regulated debit cards, meaning you cannot add a surcharge to them. Our surcharge-compatible terminal automatically detects the card type from the card number.
If it’s a credit-type FSA/HSA card (Rare), you may add up to a 3% surcharge (as long as you follow all card brand requirements).
If it’s a debit/prepaid FSA/HSA card, no surcharge is allowed, and it will be processed as a debit transaction, with you paying the 1% fee.
If the card is an FSA/HSA card and the cardholder doesn’t know their PIN, our POS terminal will give the option to run the transaction without the cardholder surcharge as a credit transaction (Visa/MasterCard Debit). You will still pay the 1% debit fee.
Please note that not all FSA/HSA debit cards are the same; some banks require a PIN. If that’s the case, have the patient call the number on the back of the card to set it up prior to use. In the worst-case scenario, you can always provide an itemized statement for them to self-submit on their own.
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**Estimated savings are calculated on annual processing rates and are based on Elavon’s analysis of The Strawhecker Group’s industry data survey in payment processing services as of December 2023 on net revenue from merchants of a similar size and type compared to the portfolio. Actual savings will depend on business type, card type, manner of card acceptance, and volume of transactions. ODoF Members pay an $0 Application Fee and Monthly Statement Fees. Services provided by Elavon.
**Receive a $200 credit towards wholesale purchases, only eligible for accounts processing over $30,000 monthly after 3 months. Eligibility is reassessed every quarter after the initial three months. Terminal purchases must be paid for upfront; eligible accounts will receive a rebate via ACH or check after three months of processing.