Stop Absorbing
Processing Fees
Credit card acceptance costs you 2–4% on every sale. SensePass surcharging lets you recover that cost — compliantly and transparently — across every channel and payment method, with card-network rules and state eligibility enforced automatically.
Recover the Cost of Card Acceptance
Every credit card transaction carries interchange and processing fees. Surcharging passes that cost to the customer who chooses to pay by credit card — but only where it's allowed, and only within the rules. The hard part has always been staying compliant across dozens of state laws and card-network requirements. SensePass makes surcharging automatic, accurate, and audit-ready.
Compliant by Design
Automatic state eligibility checks across 40+ US jurisdictions. Card-network rules, disclosure requirements, and consumer protections are enforced at the platform level — and kept up to date for you, so you're never surcharging where, or how, you shouldn't.
40+ jurisdiction eligibility engineState laws and card-network rules are maintained and applied automatically — no manual tracking required.
Visa, Mastercard, Amex & Discover compliantAll four major card networks' surcharging requirements are enforced at the platform level.
Two-stage checkout disclosureCustomers are informed of the surcharge before they complete the transaction, meeting disclosure requirements.
Real-Time Dynamic Calculation
BIN-level credit vs. debit detection determines surcharge eligibility instantly — so debit and prepaid cards are never surcharged. The surcharge amount is calculated live at checkout and shown as a transparent line item, with no rate tables to maintain and no manual updates.
Dynamic BIN lookup (credit vs. debit)Card type is identified in real time — surcharges apply only to eligible credit cards, never to debit or prepaid.
Live calculation at checkoutThe surcharge is calculated and displayed at the moment of payment — accurate, automatic, and always current.
Surcharge line item on receiptsThe surcharge appears as a transparent, itemized line on every receipt and invoice.
Go Beyond Credit Cards
Surcharging isn't just for cards. SensePass supports surcharging on ACH and bank transfers (any %, no cap), and on digital wallets and BNPLs — PayPal, Venmo, Klarna, Afterpay, Affirm — each with proper merchant consent workflows.
ACH surcharging — any %, no cap, instant-onApply any surcharge rate to ACH and bank transfer payments — no card-network caps, no registration required.
E-wallet & BNPL surchargingPayPal, Venmo, Klarna, Afterpay, Affirm and more — all supported with the correct merchant consent flows.
Merchant consent workflowsBuilt-in consent and disclosure steps keep your surcharging program compliant across every payment method.
Merchant-Ready in Days
No-code merchant configuration, a guided card-network registration workflow, and a compliance dashboard built in. One platform covers both eCommerce and card-present environments — so you can launch surcharging in days, not months.
No-code configurationSet up and manage your surcharging program without writing a line of code — through a clean dashboard interface.
Guided network registrationSensePass walks you through the card-network notification process step by step, so you're compliant from day one.
Built-in compliance dashboardMonitor eligibility, rates, and rule changes in one place — no spreadsheets, no manual tracking.
One Platform, Every Channel & System
Run one surcharging program across eCommerce and card-present — and across the systems you already use, including Oracle NetSuite, Microsoft Dynamics 365, Shopify and BigCommerce — with a full API and webhooks for anything custom. Manage rules centrally and stay consistent everywhere.
eCommerce & card-present, one programThe same surcharging rules apply in your online store and at your physical registers — managed from one dashboard.
Native ERP & POS integrationsWorks natively with Oracle NetSuite, Microsoft Dynamics 365, Shopify, BigCommerce, and more — no middleware required.
Full API & webhooksBuild custom surcharging flows into any system through a complete REST API with real-time webhook events.
Key Capabilities
Built For
Reduce your cost of acceptance and recover credit card processing fees — compliantly and transparently.
Add a compliant surcharging capability to your portfolio. White-label ready, with full API access.
Centralized rule management across states, store types (eCommerce + in-person), and payment methods.
Frequently Asked Questions
-
In most US states, yes — when it's done within card-network rules and applicable state laws. A small number of states restrict or prohibit it, and the rules change. SensePass's eligibility engine checks this automatically across 40+ jurisdictions, so you only surcharge where it's allowed.
-
No. Debit and prepaid cards cannot be surcharged. SensePass's BIN-level detection identifies the card type in real time and applies surcharges only to eligible credit cards.
-
Yes. Surcharges are capped by card-network rules and can't exceed your cost of acceptance, and some states set their own limits. SensePass enforces the correct cap automatically at checkout.
-
Yes — merchants must notify the card networks before they begin surcharging. SensePass includes a guided registration workflow so you're set up correctly.
-
Yes. One platform covers both eCommerce and card-present environments, with centralized rule management.
-
Beyond credit cards, SensePass supports surcharging on ACH and bank transfers (any %, no cap), and on digital wallets and BNPLs, each with merchant consent workflows.
-
Days. Configuration is no-code, with guided network registration and a built-in compliance dashboard.
Ready to Recover Your Processing Costs?
Turn the cost of card acceptance into a compliant, transparent line item — across every channel and payment method.
New York Office
260 Madison Ave Suite 8018 New York NY 10016
