Every month, your business is bleeding money.
Credit card fees eat away at your profits while you're stuck absorbing the cost. You tell yourself it's just the price of doing business. But what if it doesn't have to be?
For a long time, most businesses have faced four lousy options when it comes to credit card processing fees:
None of these options are good. But now there's a real answer.
PayJunction just launched SmartSurcharge™, a new feature for their integrated payment processing. SmartSurcharge™ enables compliant, integrated surcharging that offsets nearly 100% of credit card costs while protecting the customer experience.
No more headaches. No confused staff. No alienated customers.
Here's exactly how it works and why it might be the money-saving breakthrough your business has been waiting for.
SmartSurcharge™ isn't just another surcharge program. It's a compliant, integrated surcharge solution that overlays onto any browser-based system you're already using.
You don't have to rip out your current setup. You keep the system you already know but upgrade your payments experience with integrated surcharging.
If you haven't seen PayJunction's No-code Payments Integration®, we covered that in an earlier post. You can check that out to learn all about PayJunction's core features and how to start building automated workflows with their platform.
But SmartSurcharge™ introduces four key features that make it an ideal choice for adding compliant surcharging to your company: customer-facing terminals with transparent choices, automatic card detection, dedicated surcharge reporting, and remote payment compatibility.
Customer-facing terminals make it easy to keep your clientele informed. There are no awkward conversations about fees.
Instead, customers see their options plainly: pay with debit for no fee, or pay with credit with a small surcharge.
It's clean. It's simple. And it clearly offers your customers the freedom of choice.
When customers feel like they have options, the conversation changes entirely.
This is where compliance gets simple.
Debit card? No surcharge. HSA or prepaid card? No surcharge. The surcharge only applies to appropriate credit cards, and the system handles that automatically.
The technology knows the difference so you and your staff don't have to worry about it. No manual checking. No guessing. No compliance mistakes that could cost you thousands.
PayJunction's No-code Payments Integration already syncs transaction data with your software, eliminating manual data entry mistakes. But SmartSurcharge™ makes reconciliation even easier.
Dedicated reporting takes the guesswork out of your books. Batch reports show both the revenue before surcharges and the actual surcharge amounts. That makes it easy to match pre-surcharged amounts in your management software.
No more guessing. No more hunting through transactions trying to figure out what happened.
Your company can benefit from SmartSurcharge™ savings even when transactions aren't happening at your physical point of sale.
Your team can send digital invoices to a customer's email or phone.
They'll see the same payment options as they would in person. Automatic card detection and disclosures work with remote payments too, so you don't need to worry about applying fees incorrectly.
Customers still see separate line items for the surcharge. Everything stays transparent no matter where the transaction happens.
The best part is that all of this fits neatly into your existing systems with minimal retraining required. PayJunction integrates with any browser-based software you're already using.
Want the full details? Visit go.xray.tech/SmartSurcharge™.
Credit card fees hit some businesses harder than others. Companies with high processing volume have more fees to absorb. That's obvious.
But it's not just about volume. It's about ticket size.
For auto dealers selling $40,000 cars, vet clinics with $3,000 surgeries, or dental offices doing $5,000 procedures, these fees aren't pocket change. They're a significant line item that directly impacts profitability.
One auto dealership using PayJunction was spending almost $200,000 a year on credit card fees. After SmartSurcharge™? Their effective credit and debit rate decreased 58% practically overnight.
That's life-changing money back in the business.
Most surcharging fails for two reasons: compliance is complicated and customers get confused. SmartSurcharge™ addresses both problems directly.
Compliance is simplified. The system includes proper disclosures, automatic card detection, correct receipts, and compliant refund handling. You're not piecing together a solution and hoping you got it right.
Staff training is minimal. PayJunction provides the guides you need. Your employees don't calculate fees or differentiate between card types. The technology handles those things.
And the freedom of choice removes the sting. Nobody likes surprise fees. But when customers can choose the fee-free option? It's a completely different conversation. They're in control.
This is exactly the kind of work you shouldn't be doing yourself.
Figuring out which cards can legally be surcharged, training staff on compliance rules, manually tracking surcharge amounts for reconciliation—it's the kind of repetitive, error-prone task that eats up time and creates risk.
SmartSurcharge™ automates the compliance decisions. The system handles card detection, disclosures, and reporting so your team can focus on actually serving customers instead of worrying about fee calculations.
That's how modern businesses should operate. You orchestrate the tools. The tools do the work.
While surcharges only apply to credit cards, the potential savings for your business don't end there. You might be overpaying for debit transactions too.
PayJunction also offers a way for your business to get optimized pricing on PIN debit. Lower debit costs mean more money stays in your pocket.
Stack that with the surcharging savings and you're looking at serious money back in your business.
You're already losing money every month paying fees you could legally pass on. The question is: how much longer are you going to let it happen?
SmartSurcharge™ gives you compliant surcharging, automatic card detection, transparent customer choices, and dedicated reporting—all integrated with the systems you already use.
Go to go.xray.tech/smartsurcharge and see what SmartSurcharge™ can save you. Your bottom line will thank you.
