What Are Payment Surcharges?
A surcharge allows your business to recover payment processing costs by passing those fees to the customer. When enabled, an extra fee is added to the invoice when your client chooses to pay by credit card or ACH (bank transfer).
This gives you more flexibility to maintain your margins while still offering convenient payment options.
Legal Considerations
Surcharging is regulated differently depending on your location.
For example, credit card surcharges are currently prohibited in the following regions:
California
Connecticut
Kansas
Massachusetts
Puerto Rico
Some states, permit surcharges but limit the amount you can surcharge.
ACH surcharges are less commonly restricted but may still fall under broader consumer protection or payment processing regulations.
⚠️ You are responsible for confirming what’s permitted in your jurisdiction before enabling surcharges. PaintForce does not take responsibility.
How to Enable Surcharges
To configure your surcharging preferences:
Navigate to Settings > Customer Payments
On this screen, when Payments are enabled, and at least one payment method is enabled, you will see the surcharge option.
Set a percentage (you can control each payments surcharge separately).
Once enabled, the applicable surcharge will be automatically calculated and added to the invoice total during checkout, depending on your client’s chosen payment method.
You can view all the customer payment details by going to Settings > Customer Payments > Stripe Dashboard. Click on any of the recent transactions and see the full breakdown of the fees and your net revenue from the payment.
