Not really. Many small businesses in the U.S. have offered lower prices to customers willing to pay with cash for years. With Surcharging your just passing on the cost for accepting a credit card. Your customers always have a choice to pay with a debit card to avoid paying the credit card surcharge.

It is in 46 states. Surcharge programs require that businesses display a sign informing the customer at the point of sale that there is a 3% fee charged on all credit card transactions which they can avoid by paying with a debit card. We provide this signage for you to display.

Credit card companies charge a fee each time a merchant processes a credit or debit card payment. Traditionally, the business owner pays this fee, not the customer. After signing up with Nadapayments, we’ll give you compliant signage and equipment to accept credit cards at no cost. You pay no fees at all to accept credit cards. If a customer pays with a debit card, our system will charge you a flat fee of 1.5% + 25¢ for each debit card transaction.

Absolutely. Your daily savings will speak for themselves. Your monthly statement will only contain debit card processing fees.

Businesses that follow the Nadapayments model have not reported any decline in sales. Customers are simply given more flexibility in their payment options. Cash and debit payments are not subject to any surcharges. If you market it properly, a surcharge program can play an important role in boosting your annual product sales while lowering your expenses.

Credit card surcharging is adding a small fee when a customer chooses to pay with a credit card. The fee covers the cost of processing the credit card transaction. If the customer uses a debit card instead, no fee is added.It's a legal, transparent practice that gives customers the choice of how they want to pay.

With a cash discount program, you must post two separate prices for every item or service a credit price and a cash price and provide a discount to anyone paying with cash. For example, a product might be listed at $2.08 for credit and $2.00 for cash, and both prices must be displayed.With surcharging, you have one price and a small fee is added only when the customer chooses to pay by credit card. Debit card users pay the listed price with no fee giving them a convenient, card-based option that cash discount programs don't offer.

Yes, credit card surcharging is legal in the vast majority of U.S. states. Each state has its own rules and limits. As of 2026, Connecticut and Massachusetts prohibit surcharging, and Colorado caps surcharges at 2%.Nadapayments stays up to date with all state regulations and automatically adjusts your surcharge program to remain compliant if laws change.

The maximum credit card surcharge is 3% of the transaction amount (or your actual processing cost, whichever is lower). This cap is set by Visa. Mastercard allows up to 4%, but most merchants follow the 3% Visa cap to stay compliant across all card brands.

No. You cannot surcharge a debit card ever. Even if a customer runs their debit card as credit, the surcharge cannot be applied because the issued card is a debit card. This is a federal rule enforced by all card brands.Nadapayments' system automatically detects the card type and only applies the surcharge to credit cards.

Most customers accept the surcharge without issue. The key is that customers are given a choice: they can pay with a credit card and accept the small fee, or they can use a debit card and pay nothing extra while still having the convenience of paying with a card.Businesses aren't forcing a fee on anyone. They're empowering customers to decide how they want to pay. This is a major advantage over cash discount programs, where even debit card users pay the higher "non-cash" price. With surcharging, debit card users always pay the base price.

Most businesses save at least 50% on their credit card processing fees. Dental practices and veterinary clinics typically save around 80% of the fees they currently pay.For a dental practice processing $50,000 per month in credit card volume, that's roughly $1,200 per month or $14,400 per year in savings.

What are the compliance requirements to surcharge legally?To surcharge legally, a business must
Notify card brands in advance. Visa, Mastercard, and your payment processor must be notified at least 30 days before you begin surcharging
‍Post clear signage. Signs must be displayed at the point of sale, stating that a surcharge applies to credit card purchases.
‍Itemize on receipts. The surcharge must appear as a separate line item on every receipt.
‍Never surcharge debit or prepaid cards. Surcharges are only permitted on credit cards.
‍Cap the surcharge. The fee cannot exceed 3% or your actual processing cost, whichever is lower.Nadapayments handles all of these compliance requirements for you.

Yes. Nadapayments handles the entire compliance process for you including card brand notifications, signage, receipt formatting, and ensuring the surcharge is only applied to eligible credit card transactions. You don't need to figure it out on your own.

Nadapayments monitors state surcharging laws continuously and updates your program automatically if regulations change. You don't need to track legislation yourself your surcharge settings will always reflect the current rules in your state.

Standard surcharging rules apply to most private-sector businesses including dental practices, veterinary clinics, retail, restaurants, and professional services. Government agencies, public utilities, and higher education institutions operate under a different framework and may charge "service fees" rather than surcharges under special Visa and Mastercard programs.If you're a dental or veterinary practice, you're fully eligible to surcharge.

Card brands require clear signage at the point of sale, such as the front desk or checkout area. Signage must clearly state that a surcharge applies to credit card transactions, display the surcharge percentage, and note that debit cards are not surcharged.The surcharge must also appear as a separate line item on every receipt. For online transactions, the surcharge must be disclosed before checkout.Nadapayments provides compliant signage as part of your setup.

Nadapayments eliminates credit card processing fees for businesses through compliant surcharging. When a customer pays with a credit card, the 3% processing fee is passed to the customer as a surcharge the business pays nothing on that transaction.If a customer pays with a debit card, the business pays a small fee of 1.50% + $0.25 per transaction. This model typically saves dental and veterinary practices around 80% of their total processing costs.

Nadapayments charges a monthly service fee and a debit card processing rate of 1.50% + $0.25 per transaction. Credit card transactions cost the business nothing the 3% surcharge is passed to the customer.There are no long-term contracts, no hidden fees, and no cancellation penalties.

Nadapayments provides the latest payment terminals supporting tap, chip, and swipe including Apple Pay and Google Pay. Both wireless and wired terminals are available.Every terminal comes with an online portal where you can view all transactions in real time, giving you a unified payment experience with full visibility into your business.

Yes. Nadapayments works in any payment environment in-office card-present transactions, card-not-present transactions, and online payments.Nadapayments also offers a mobile app that turns your phone into a payment terminal. Customers can simply tap their card or phone against yours to complete a payment no additional hardware required.

Nadapayments provides phone and email support to help you with setup, troubleshooting, and any questions about your account or transactions.

Nadapayments integrates directly with Dentrix. When a patient makes a payment, the Nadapayments application automatically posts the payment into the patient's ledger in Dentrix no manual entry required.This eliminates double data entry for front desk staff and ensures your patient records are always accurate and up to date.

Nadapayments integrates directly with Eaglesoft with automatic payment writeback. When a patient pays, the payment is automatically recorded in the patient's ledger within Eaglesoft. Front desk staff don't need to manually post payments everything syncs automatically.

Nadapayments integrates directly with OpenDental with automatic payment writeback. Payments are posted directly into the patient's ledger, eliminating manual data entry and keeping your records accurate in real time.

Payment writeback means that once a payment is processed for a specific patient, that payment is automatically logged into the patient's ledger in your practice management software.Without writeback, staff would need to manually post every credit card payment from a standalone terminal into the patient's record a time-consuming process that leads to errors and reconciliation headaches. With Nadapayments' writeback feature, payments are recorded instantly and accurately in Dentrix, Eaglesoft, OpenDental, Cornerstone, ImproMed, Infinity, and IntraVet.

Yes. Nadapayments supports split payments by family member and by provider, making it easy to allocate payments across multiple patients or services within a single visit.

Yes. Patients can pay in-office, via a payment link, or through text-to-pay. This gives your practice flexibility to collect payments before, during, or after an appointment without requiring the patient to be physically present.

Patients generally respond positively because they're given a clear choice: pay with a credit card and accept a small fee, or use a debit card and pay nothing extra while still enjoying the convenience of paying with a card.
Most patients appreciate having that option rather than being forced into a single payment method. Practices that switch to surcharging with Nadapayments consistently report minimal pushback from patients.

A dental practice processing $50,000 per month in credit card volume typically saves around 80% on processing fees roughly $1,200 per month or $14,400 per year.
Actual savings depend on your current processing rates, but most practices see significant reductions from day one.

Nadapayments integrates directly with IDEXX Cornerstone with automatic payment writeback. When a client pays, the payment is posted directly into the patient record no manual entry needed. The workflow is seamless for front desk staff.

Nadapayments integrates directly with ImproMed, Infinity, and IntraVet all with automatic payment writeback. Payments are posted into the patient record automatically, eliminating manual data entry and ensuring accurate financial records across your veterinary practice management software.

No. Surcharging works the same way for veterinary clinics and dental practices. The compliance rules, surcharge caps, and customer experience are identical. The only difference is which practice management software you integrate with Nadapayments supports both dental systems (Dentrix, Eaglesoft, OpenDental) and veterinary systems (Cornerstone, ImproMed, Infinity, IntraVet).

A veterinary clinic processing a typical volume of $85,000 per month can save roughly $2,040 per month or over $25,000 per year.
In many cases, savings are even higher because traditional merchant services often include hidden fees and markups that inflate actual costs beyond the stated rate.

When evaluating a payment processor for your dental or veterinary practice, focus on five things:

‍Direct integration with your practice management software. Without writeback, your staff will spend hours manually reconciling payments.

‍Compliant surcharging support. Make sure the processor handles card brand notifications, signage, and automatic debit card detection.

‍Transparent pricing with no long-term contracts. You should never be locked in.

‍Flexible payment methods. In-office terminals, online payments, text-to-pay, and mobile tap-to-pay.

‍Responsive support. When a payment issue comes up during a busy day, you need help fast.

Yes, you can switch to Nadapayments at any time. Nadapayments does not require contracts we want you to process with us because you want to, not because you're locked in.If you're currently under contract with another processor, Nadapayments can help you evaluate your options for transitioning.

Yes. Nadapayments is fully PCI compliant, meeting the Payment Card Industry Data Security Standard (PCI DSS) requirements to ensure that all cardholder data is processed, stored, and transmitted securely.

Nadapayments is both PCI compliant and HIPAA compliant, ensuring that patient payment data is handled with the highest level of security. All cardholder data is encrypted and protected according to industry standards, and Nadapayments meets the privacy and security requirements specific to healthcare practices.

Yes. All Nadapayments terminals support EMV chip, contactless tap-to-pay, magnetic stripe, Apple Pay, and Google Pay. Nadapayments also offers a mobile app that lets you accept tap-to-pay directly on your phone no additional hardware required.