Pass On Processing
Stop absorbing the cost of accepting cards.
Card networks charge merchants 2–3% on every card sale. A properly disclosed pass-through program moves that cost to the card payment that creates it — leaving ChargeSecured cost-neutral for most merchants.
Where Your Money Goes Today
Every $100 in card sales — before pass-through.
On a 2.9% effective rate, you keep $97.10 of every $100 charged. That gap compounds fast at volume.
Customer pays
$100.00
Full card sale amount charged to cardholder.
Gross saleProcessing fee taken
−$2.90
Card-network + processor fee deducted before settlement. You absorb this.
Your cost todayYou receive
$97.10
Net to your bank. 2.9% is gone on every sale, every day.
Net settledAfter Pass-Through
Every $100 in card sales — with pass-through.
A clearly disclosed surcharge moves the network cost to the card payment. Your net stays near the full $100. The fee is capped at your actual cost — you never recover more than acceptance costs.
Customer pays
$102.90
Card total includes clearly disclosed surcharge, itemized on receipt.
Disclosed at checkoutProcessing fee covered
$2.90
Fee passed through at cost. Capped at your merchant discount rate or 3% (Visa) / 4% (MC) — whichever is lower.
Passed, not absorbedYou receive
~$100.00
Near full sale amount settles to your bank. ChargeSecured is offset for most merchants.
Cost-neutralInteractive Calculator
Enter your volume. See what you retain.
The Rules
Lawful in most of the country. Rule-bound everywhere.
| Layer | What it establishes |
|---|---|
| Visa rules | Surcharge capped at the lesser of your merchant discount rate or 3%. Debit and prepaid may not be surcharged. |
| Mastercard rules | Maximum cap of 4%. Debit and prepaid may not be surcharged. |
| Disclosure | Fee posted at entry, itemized on receipt, applied as a percentage, notified to your acquirer in advance. |
| State restrictions | Prohibited in CT, MA, and PR. Restricted in ME. NY requires total price posted clearly before checkout. |
Fees pass at cost
No markup above what acceptance actually costs. The cap is your actual merchant discount rate or the network ceiling — whichever is lower.
Disclosed, not hidden
Posted at entry, shown before the customer commits, itemized on the receipt every time.
Auditable in the portal
Every disclosed amount, by transaction and card type, retained in the record — exportable on demand.
See How ChargeSecured Protects You
Tell us your industry and your card volume. We will walk through your actual exposure.