Minimize the impact of processing fees
and increase your bottom line!

 

Empower Your Business with Compliant Fee Programs

At eDataPay, we empower merchants with fully compliant card surcharging programs, convenience fee solutions, and cash discount offerings—so you can lower processing costs, stay audit‑ready, and boost your bottom line.

1. Understand Your Options

A. Card Surcharge Program

• What it is: Add a small fee (up to 3% or 2% in CO) on credit‑card transactions only.

• When to use: In‑store, face‑to‑face credit card sales.

• Key compliance points:

  • Debit/prepaid cards are exempt.

  • 30‑day brand notification (Visa®, Mastercard®).

  • Prohibited in CT, ME, MA.

• Learn more:

  • Visa® Surcharge Rules ( Click Here)

  • Mastercard® Surcharging Requirements ( Click Here) 

B. Convenience Fee Solution

• What it is: Charge a fee for non‑face‑to‑face payments (online, phone, kiosk).

• When to use: You must offer a free, in‑store payment alternative.

• Key compliance points:

  • Process as a separate transaction.

  • Apply equally to all card brands.

• Learn more:

  • Visa® Convenience Fee Guidelines

  • Mastercard® Merchant Fee Policies

C. Cash Discount Program

• What it is: Reward cash payments with an upfront discount off the posted (card) price.

• When to use: In‑store, any tender mix.

• Key compliance points:

  • Shelf price = card price; discount shown on the receipt.

  • No added fees on card transactions.

• Learn more:

  • Visa® Cash Discounting Rules

  • Mastercard® Cash Discounting Guidelines

Note: You may run only one of these programs per location. Mixing a surcharge and calling it a “cash discount” is non‑compliant.

2. How eDataPay Helps You Save

• Free or Discounted POS Terminals
  Get branded, EMV‑ready hardware at no cost or deeply discounted rates—so you can start surcharging or discounting immediately.

• Amazon & E‑Commerce Store Setup
  Add an Amazon store or extra e‑commerce checkout in minutes. Increase online sales with our seamless integrations.

• Better Rates & Extra Bonuses
  Lock in industry‑leading processing rates on your existing merchant account. Bundle with:

  • Free landing page design for your promotions

  • Google My Business media setup & optimization

• Dedicated Compliance Support
  Receive our branded PDF guides, merchant‑education webinars, and one‑on‑one compliance reviews—so you never face audit surprises.

3. Ready to Get Started?

1. Learn More: Download our Merchant Education Guide (PDF).

2. Request a Free POS Quote: Tell us your location and transaction volume.

3. Schedule a Compliance Call: Our experts will walk you through brand notifications and signage.

📞 **Call Us:** 1‑561-395-9554

✉️ **Email:** info@edatapay.com

Bonus: Ask about our Free Google My Business Media Package and custom landing pages—available exclusively for new fee‑program sign‑ups!