When the fee is communicated clearly and presented respectfully, customers understand their payment options. Many simply choose the method that works best for them — credit with a small fee OR avoid the credit card surcharge by paying with debit or cash.
When the process is clear and upfront, customers quickly understand their options and checkout continues as usual.
Surcharging simply gives customers a clear choice at checkout. When paying with a credit card, a small fee is applied. Customers can avoid the credit card surcharge by paying with debit or cash.
Because the options are transparent, the checkout experience remains simple and familiar. Many merchants find that offering this choice helps protect their margins while maintaining the same day-to-day customer relationships.
With clear signage and simple payment options, customers quickly understand how the checkout process works.
Yes — credit card surcharging is legal in Canada, except in the province of Quebec, where it is prohibited by law.
The Clover Surcharge Program automatically recovers your credit card processing fees at the point of sale. A transparent 2.40% surcharge is applied during checkout — helping you preserve your margins.
Whether surcharging is right for you depends largely on your monthly credit card sales volume. Generally, it makes the most financial sense for businesses processing over $20,000 per month in credit card transactions.
If your volume is lower, surcharging may not be the ideal fit — but we have other solutions that can still help you save.
Always factor in equipment rental (which varies based on the number of terminals), along with software and administrative fees.
Once your business processes $20,000 or more in monthly credit card sales, businesses quickly see the impact on their margins.
Customers can avoid the credit card surcharge by paying with debit or cash.
No. Surcharge rates are designed to align with your cost of acceptance.
Perfect for smaller volumes or merchants who prefer to stay agile.
We’ll match or beat your current rates — no hard commitments.
I want predictable, consistent pricing.
Choose a stable rate structure designed for clarity and long-term cost consistency.
I want to reduce or offset my credit card processing costs.
Explore a compliant solution that allows you to offset credit card fees while maintaining a smooth customer experience.
I’m looking for modern, reliable payment terminals.
Explore mobile, countertop, and smart terminal options designed to fit your business.
