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PayLow Pro

PRODUCTS & SERVICES

Surcharge Made Simple

Offset Your Credit Card Processing Costs – Compliantly & Transparently

Every swipe, tap, or online card payment comes with processing costs that chip away at your profits. With the PayLow Pro Surcharge Program, you can protect your bottom line and maintain pricing transparency for your customers—all while staying fully compliant with card network and legal requirements.


medical credit card processing

Why PayLow Pro Surcharge Works for Your Business

Surcharging allows your business to pass a small, clearly disclosed percentage of the credit card processing cost to customers who choose to pay with a credit card. Instead of raising prices for everyone, you can give customers a choice: pay with a credit card and incur the small surcharge, or choose another payment method without it. 

Automated Card-Type Detection

PayLowPro’s systems automatically detect eligible credit cards and ensure surcharges are never applied to debit or excluded card types, eliminating compliance risk. 

Recover Processing Fees Without Raising Prices for All Customers

Unlike blanket price increases, surcharging lets you offset the cost of credit card acceptance only when customers choose that payment method.


Transparent, Customer-Friendly Experience

Surcharge amounts are displayed clearly at checkout and on receipts, giving customers full visibility and choice.

Compliant With Card Brand & Legal Rules

Our program automatically helps you meet regulations, including card network rules about surcharge limits and disclosures. The surcharge you set must:

  • Be equal to or less than your actual cost of card acceptance (capped at a legal maximum, typically 3%)
  • Apply only to credit card transactions — not debit, HSA, prepaid, or other payment types
  • Be clearly disclosed at the point of entry, point of sale, and on receipts
  • Return the surcharge proportionally on refunds when necessary.

Automated Card-Type Detection
PayLow Pro’s systems automatically detect eligible credit cards and ensure surcharges are never applied to debit, HSA cards or excluded card types, eliminating compliance risk

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Business Benefits of the PayLow Pro Surcharge Program

 Recoup a significant portion of credit card processing costs

Avoid across-the-board price increases

Maintain customer trust with clear disclosures

Reduce pressure on your margins in a competitive market

Many businesses experience substantial savings once a compliant surcharge program is activated — reducing net processing costs while keeping operations simple and transparent for staff and customers alike.

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How It Works

1. Sign Up & Configure Your Surcharge

Choose the surcharge percentage that reflects your true cost of acceptance (up to the legal maximum, usually 3%). Our team helps ensure your surcharge strategy complies with card network rules.

2. Display Transparent Notices

Clear signage and checkout disclosures keep your customers informed before they finalize a purchase.

3. Automated Processing & Reporting

PayLow Pro’s platform calculates and applies surcharges to eligible transactions automatically — with detailed reporting and reconciliation tools built into your dashboard.

4. Full Support & Compliance Resources

Get guidance on best practices, compliant signage text, and ongoing updates as rules evolve.

Surcharging vs Dual Pricing - What's the best fit?

Best-Fit Use Cases

Dual Pricing tends to fit best when:

  • The merchant wants maximum cost recovery

  • AmEx acceptance is important

  • The business prefers simple compliance

  • In-store pricing transparency matters (retail, service, medical, auto)

Learn More

Surcharging tends to fit best when:

  • Online or card-not-present volume is high

  • The merchant wants lower advertised prices

  • AmEx is minimal or can be excluded

  • The merchant can manage strict compliance requirements

Learn More

Hear it from our community.

"Easy 5 out of 5 stars for these guys!"

Absolutely seamless transition from our former processor+ to PayLow Pro. Dealt with Nick from start to finish. He came out, set up the equipment and trained the staff just as he said he would. Everything has worked flawlessly. We get our deposits quicker and we are no longer bearing the burden of the processing fees. And believe it or not, we've only had one or two people complain about paying the convenience fee. 
- Josh Szuba

"Absolutely PHENOMENAL!"

Derek Lapis set up our practice with PayLo Procredit processing services. I thought real customer service was dead and a thing of the past but Derek came along and changed my mind! He was and is absolutely PHENOMENAL! He goes above and beyond just selling processing services! He keeps his promises and does exactly what he says he is going to do. When you call him, he picks up the phone every time. He always gets back to you when he says he will! Who does that today??? Well I will tell you who will….Derek Lapis! Derek is a rarity for sure! I can honestly say he has proved the best customer based service I have ever experienced in my 45 years of doing business! God bless you Derek!

-Dr. Michael Gulino

"PayLo Pro si the best credit card processor we've ever used."

PayLo Pro is the best credit card processor and cash tracker that we have ever used. Derek Lapis is our contact and he came to the office to train everyone and setup all the machines. Everything has worked flawlessly and every oral promise has been more than fulfilled. We use the PAX A920 with Wi-Fi and cell data. This works automatically when on farm calls and away from the office with no user input required to switch to cell data. We have not had one complaint about the NCA surcharge after talking with anyone that had questions. The SwipeSimple web app is fantastic at evaluating and summarizing all transactions before closing the batch. There have been no problems at all. We had great expectations and they have been exceeded. Thank you PayLo Pro and Derek Lapis for such a great product and service.

-Dr. Timothy Lesch

"Saving upwards of $500-$700 per month!"

Derek and his team are great! Derek came by and updated our service to cash discounting. We are now saving upwards of 500-700 per month! Pat came out and did the installation of the new terminal, trained my employees, and cancelled my old company on the spot! Never have I had this kind of prompt service! I'm extremely happy with Derek and his team.

-Dr. Iggy Pfaff

"Couldn't be happier!"

My precious vendor was impossible to contact without having to stay on hold for an eternity. They made PCI extremely difficult because of all the forms that had to be completed. POS equipment was also expensive. This is now my second month with PayLo Pro. Couldn’t be happier! Derek is always available if we have questions. Very easy transition!

- Jeff and Nancy Thomas

"Makes my staff's life easier."

PayLo Pro has integrated into our practice management software making my staffs life easier. No more double entry. No more errors recording payments. Couldn’t be happier with PayLo Pro. Thank You!

- Theresa Peters

Get Started Today

Get Started Today

Your path to better payment processing is just a conversation away.  Contact us today to see what PayLowPro can do for you.

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Frequently Asked Questions About Surcharging

What is a credit card surcharge?

A credit card surcharge is a small, clearly disclosed fee added to a transaction when a customer chooses to pay with a credit card. The surcharge helps offset the cost of accepting credit cards without raising prices for all customers.


Is credit card surcharging legal?

Yes. Credit card surcharging is permitted at the federal level and by major card networks, provided it is implemented correctly and complies with applicable state laws and card brand rules. PayLow Pro helps ensure your program follows these requirements.

What payments can be surcharged?

Surcharges may be applied only to credit card transactions.
Surcharges cannot be applied to:

  • Debit cards (even if run as “credit”)

  • Prepaid cards

  • ACH or cash payments

PayLow Pro automatically identifies card types to prevent surcharges from being applied incorrectly.

How much can I surcharge?

Your surcharge amount must:

  • Be equal to or less than your actual cost of accepting credit cards

  • Not exceed the maximum allowed by card brand rules (generally capped at 3%)

PayLo Pro helps you set a compliant surcharge percentage based on your processing costs.

Do I have to disclose the surcharge to customers?

Yes. Clear disclosure is required. Customers must be informed:

  • At the point of entry (store signage or online notice)

  • At the point of sale or checkout

  • On the receipt

PayLow Pro provides guidance and recommended disclosure language to help you meet these requirements.

Will customers see the surcharge before they pay?

Yes. The surcharge amount is displayed before the transaction is completed so customers can make an informed payment choice.

What happens if I issue a refund?

If a transaction is refunded, the surcharge must be refunded proportionally along with the original purchase amount. PayLow Pro’s reporting and transaction records make this process simple and accurate.

Does PayLow Pro notify the card brands for me?

Yes. Card networks require advance notification before surcharging begins. PayLow Pro assists with the enrollment and notification process as part of program setup.

Will surcharging affect my customer relationships?

When implemented transparently, many businesses find that customers appreciate the honesty and choice. Instead of hidden price increases, customers clearly see the cost associated with credit card payments and can choose an alternative method if they prefer.

Is the surcharge taxed?

In most cases, the surcharge is treated as part of the transaction amount and may be subject to sales tax, depending on state and local regulations. We recommend confirming tax treatment with your tax advisor.

Is this the same as dual pricing?

No. Surcharging adds a fee to credit card transactions, while dual pricing displays two prices upfront—one for cash and one for credit. PayLow Pro supports both compliant surcharging and dual pricing solutions, depending on what works best for your business.