> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/getting-started/surcharging.md).

# Surcharging

Understand surcharging requirements, benefits, signage, and employee training.

A surcharge is a fee added when a customer pays with a credit card. It lets a business charge customers for using a credit card instead of cash or check.

You must comply with card brand rules and applicable federal and state laws when you use any enhanced pricing program.

{% hint style="warning" %}
Surcharge laws vary by state. The surcharge ban was challenged and lifted in California, Florida, Kansas, and Texas. Surcharging is prohibited in Connecticut, Maine, Massachusetts, New York, and Oklahoma.
{% endhint %}

### Consider surcharging for your business

Surcharging can suit:

* Businesses with large inventories
* Businesses with a high percentage of credit-to-debit transactions
* Businesses that do not want to change their prices

### Benefits

* Share processing fees with customers where permitted by law.
* Save 75%–95% on credit card processing costs.
* Reduce expenses and improve cash flow.
* Choose a program that works for your business and customers.
* Receive free signage for your entrance and point of sale.

### Display required signage

Display signage at your business entrance and point of sale. Xplor Pay provides free English and Spanish signage.

Order signage at [Surcharging signage](https://xplorpay.com/surcharging-signage). Available formats include door and window decals, table tents, adhesive register tags, and shelf stickers.

<div align="left" data-with-frame="true"><figure><img src="https://2558400777-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FaxQLo4oSBKl35JyqH54A%2Fuploads%2FEtDqzTF0Lz9FbfmaFV2K%2Fimage.png?alt=media&amp;token=e75e465a-0f99-453f-bf90-55a46093a857" alt=""><figcaption></figcaption></figure></div>

### Train your employees

Train employees before you start your program. Early training helps employees explain the surcharge confidently.

Use these training practices:

* Use role-playing and active discussions.
* Let employees ask questions and share feedback.
* Recognize employees who explain the program correctly.

{% hint style="warning" %}
This information is for informational purposes only. It is not legal advice. Contact an attorney for advice about a specific legal matter.
{% endhint %}


---

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