Canadian Choice Award winner · 2024 · 2025 · 2026
Surcharging program
Let credit card customers cover the processing fee.
When a customer pays by credit, a small surcharge covers the fee. Debit is never surcharged. You keep what you earned.
Credit card
- Sale
- $100.00
- Surcharge 2.4%
- $2.40
- Total
- $102.40
How it works
From tap to deposit, in four steps.
- 01
Customer pays by credit
When a customer pays by credit card, a surcharge is added to cover the processing fee. Debit is never surcharged.
- 02
They see it first
The surcharge shows on the terminal before they pay. On a $100.00 sale at 2.4%, they pay $102.40.
- 03
Its own line on the receipt
The surcharge is printed as a separate line, so it’s clear what it’s for.
- 04
The fee is covered
The surcharge covers the credit card processing fee, so those fees cost you $0.
On the terminal, then on the receipt.
A $100.00 credit sale with a 2.4% surcharge. Your customer sees $102.40 before paying, and the $2.40 gets its own line.
Credit card
- Sale
- $100.00
- Surcharge 2.4%
- $2.40
- Total
- $102.40
your shop.
Receipt
Paid by credit card
What it costs
Simple pricing. No surprises.
Credit card fees
$0
to you. Covered by the surcharge.
Monthly fees
$11
$6 PCI + $5 admin. Same on every Dough program.
Debit
4¢
per debit transaction. Debit is never surcharged.
Terminal
$0
Clover Flex or Square Terminal if you qualify. Otherwise $30–50/month.
See if you qualify →Calculator
What could surcharging save you?
Check the fee total on your last statement.
Used to estimate your debit cost (4¢ each).
Estimated savings
$943
a month
$11,316
a year
About $57 a month with Dough instead of $1,000:
- $11 monthly fees ($6 PCI + $5 admin)
- 150 debit transactions × 4¢ = $6
- $40 average terminal cost
Estimate only. Find out your real savings by completing a free, no obligation statement analysis with Dough vs your current processing. Get my free statement analysis →
The rules, simplified
Short list. We handle it.
Dough sets it up for you.
Surcharging vs. cash discount vs. dual pricing →Credit cards only
Never debit or prepaid.
Capped
Never more than what the card actually costs you, and never more than 2.4%.
Posted notice
At the entrance and the till, and online before checkout.
On the receipt
The surcharge shows as its own line.
30 days’ notice
Card networks need 30 days’ notice before you start.
Not in Quebec
We offer interchange-plus instead.
Honest fit check
Is it right for you?
Strong fit
Card-heavy businesses, where credit fees are a big line on your statement.
Think twice
Very price-sensitive counters, where customers notice every cent.
In Quebec
Surcharging isn’t allowed. We offer interchange-plus instead.
Stop paying to get paid.
Get a free quote and we’ll show you whether surcharging fits your business.