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Reduce or Eliminate Card Fees

Accept Cards At Lower Cost & Improve Margins

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IntelliPay Saves You Money

You need to accept cards.  Yet, every tap, swipe, or dip has a fee that varies by card type.  To keep these costs under control, IntellPay helps merchants offset those fees with consumer-fee-based and dual pricing options, saving you money.

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IntelliPay AdavantageReduced & No Cost Solutions

Not every fee reduction solution works for every business or situation. Fee cost saving is not a one size fits all. That’s why we offer more reduced-cost and no-cost options to save you money.

DUAL PRICING / CONSUMER CHOICE

Our Dual Pricing/Consumer Choice Program provides the best payment experience for your customers.

This program displays two prices before the consumer clicks the “Pay Now” button. There is a “Total Price with Card” that includes a processing fee, and a “Total Price with Cash/ACH” that does not include the processing fee. The consumer then chooses which payment method they’d like to use.

 Dual Pricing is 100% compliant with the card brands and complies with recent legislation requirements.

 

Does

  • Provide transparent pricing, allowing consumers a choice in payment method
  • Encourage the use of other lower-cost forms of payment
  • Reduce overall processing costs
 

Does Not

  • Add a ”surprise fee” right before checkout
  • Allow merchants to charge more for credit card transactions than the actual cost of processing

SURCHARGE FEE (Surcharging)

Ever-increasing processing costs have merchants seeking options to lower their processing costs.

One option a growing number of merchants are evaluating  is to shift some or all these costs back to consumers who choose to use credit cards.

Surcharging is when you add a fee to all purchases paid for with a credit card. This fee helps cover your credit card processing costs. Surcharging is legal everywhere except Maine, Massachusetts, New York, and Connecticut as of June 2024.  NY Merchants should check with their counsel before implementing surcharging.

 

Does

  • Surcharging adds up to a 3% fee when someone uses their credit card that’s tied to a rewards program.
 

Does Not

  • Surcharging doesn’t add the fee when someone uses their debit card that’s tied to a bank account (no rewards).

Get your questions answered. Surcharging FAQs

CONVENIENCE FEE

Our Convenience is ideal for merchants that want to offset their merchant processing fees.

Our solution is 100% compatible with Visa/MC Convenience Fee Processing program.

With Convenience Fee Model merchants charge a flat fee for the privilege of paying for a product or service using an alternative payment channel or a payment method that is not standard for the merchant.  For example, theatres are selling tickets online versus in their lobby.

 

Does

  • Support all credit and debit cards
  • Add a flat fee to the amount due
  • Combine the fee and the amount due into one payment
  • Apply to online, pay-by-phone, and other digital (card not present) transactions
  • Deposit invoice amount into your account
  • Reduce merchants processing costs
  • Require merchant to offer an option that does not charge a fee
 

Does Not

  • Apply to in-person (card present) transactions
  • Separate amount due and fee
  • Permit a fee that is a percentage of the transaction
  • Get charged in addition to a surcharge
  • Apply to recurring transactions

Service Fee

An alternative fee-based program for Government and Higher Education institutions enables these organizations to charge a fixed or variable fee on all online or in-person credit or debit transactions.

Your organization gets the invoice amount due, and IntelliPay collects the service fee, pays the processing costs, and manages the merchant account for you.

 

Does

  • Add a fee to the amount due
  • Deposits invoice amount into your account
  • Deposits the fee into IntelliPay's account
  • Displays the fee before payment
 

Does Not

  • Bill you for transaction costs
  • Interfere with compliance rules
  • Support all government payments only
  • A specific set of merchant category codes

Single Dip, Two Deposit Technology U.S. Patents 11,429,952, or 12,373,819 ​

Please contact a consultant to learn how IntelliPay has been helping governments of all sizes save time and money since 2004 by utilizing other fee-based options for non-qualifying transactions.

The Right Solutions for my Business

Choosing a payment solution for your business doesn’t need to be overwhelming. At IntelliPay, we lay out all your options side by side below to make comparisons and the right decision easier. To get started, reach out to our team here.