Credit card surcharging allows you to add a fee to eligible credit card payments to help offset the cost of accepting credit cards.

When surcharging is turned on, Housecall Pro automatically determines when a surcharge can be applied, calculates the surcharge where supported, and displays surcharge information to customers in supported checkout flows before they pay.

Surcharging rules can vary by card type, location, card-network rules, and payment flow, so it's important to understand how surcharging works and communicate clearly with your customers.

When credit card surcharging is turned on, Housecall Pro applies a surcharge to eligible credit card payments accepted through supported payment flows.

If a transaction is not eligible for surcharging, Housecall Pro will not apply the surcharge. This may happen based on the payment method, card type, location, or other surcharge rules.

Credit card surcharge rules vary by state. Some states prohibit credit card surcharging, while others allow surcharging only if specific requirements are met.

At this time, credit card surcharging in Housecall Pro is not available for businesses located in:

If your business is located in one of these states, you will not have access to credit card surcharging in Housecall Pro.

Housecall Pro automatically determines whether a surcharge can be applied based on the information available for the transaction. If surcharging is not supported for a transaction, Housecall Pro will not apply the surcharge.

If your business operates in multiple states, surcharging may apply to some transactions but not others. For example, if your business is located in a state where surcharging is supported, but you perform work or accept payment in a location where surcharging is not supported, Housecall Pro may not apply a surcharge to that transaction.

Surcharges only apply to eligible credit card payments.

Surcharges do not apply to debit cards, prepaid cards, ACH, Klarna, PayPal, cash, check, or other non-credit payment methods.

Surcharging is controlled by a global setting in Housecall Pro. Once turned on, Housecall Pro will apply a surcharge to any eligible credit card payment accepted through supported payment flows. Surcharging is not configured separately by customer, invoice, job, or payment.

To turn on credit card surcharging:

When this setting is turned on, Housecall Pro will automatically determine when a surcharge can be applied. Surcharges will only apply to eligible credit card payments and will not apply to debit cards, prepaid cards, ACH, cash, check, or other non-credit payment methods.

We do not recommend turning surcharging on and off to make one-off exceptions. Keeping the setting consistent helps create a clearer experience for your customers and reduces the chance of confusion.

In supported customer-facing checkout flows, Housecall Pro will show surcharge information before the customer submits payment.

Customers will be able to see that a surcharge may apply when they choose to pay by credit card. Where applicable, the surcharge will also appear as a separate amount in the payment breakdown, receipt, and final invoice summary.

Customers can avoid the surcharge by choosing a non-credit payment method, such as ACH, debit card, cash, or check, when available.

Housecall Pro helps support compliant surcharge experiences by automatically applying surcharges only where supported and showing surcharge disclosures in supported customer-facing payment flows.

To help support a clear and compliant payment experience, make sure your customers understand when a credit card surcharge may apply. This is especially important for payments taken outside of a customer-facing checkout flow, such as over the phone, in person, or using a saved card.

A good rule of thumb: customers should know a credit card surcharge may apply before their card is charged.

You may want to include surcharge information in places like:

If you're unsure how surcharge rules apply to your business, we recommend consulting your legal, tax, or compliance advisor.

Supported:

Not supported at this time (coming soon!):

A credit card surcharge is an added fee on eligible credit card payments. It helps offset the cost of accepting credit cards.

A surcharge applies when a customer pays with an eligible credit card and the transaction meets applicable surcharge requirements.

Surcharges do not apply to debit cards, prepaid cards, ACH, cash, check, or other non-credit payment methods.

Yes. Housecall Pro assesses a fee of 0.50% on successfully surcharged credit card transactions. This fee only applies when a credit card surcharge is successfully collected.

It depends. Surcharging can help offset your credit card processing costs, but it may not cover every fee in every situation.

The amount recovered may vary based on the transaction, card type, applicable surcharge rules, and Housecall Pro’s surcharge pricing.

No. Surcharging is for eligible credit card payments only. Debit cards and prepaid cards are not surcharged.

No. Surcharging only applies to eligible credit card payments. Other payment methods are not surcharged.

Yes. Customers can avoid the surcharge by choosing a non-credit payment method, such as ACH, debit card, cash, or check, when available.

Yes. Housecall Pro shows surcharge information in supported customer-facing checkout flows, but you should still communicate clearly with customers before they pay.

This is especially important when taking payment over the phone, in person, or using a saved card.

You can use language like:

A surcharge may apply if you choose to pay by credit card. You can avoid the surcharge by paying with a non-credit payment method, such as ACH, debit card, cash, or check.

Use language that fits your business and make sure it aligns with the rules that apply to you.

If a payment with a surcharge is refunded, the surcharge should be refunded along with the payment amount. For partial refunds, the surcharge may be refunded proportionally.

Surcharge tax treatment may vary based on the transaction and location. Housecall Pro will apply tax handling where supported, but we recommend consulting your tax or compliance advisor if you have questions about your specific obligations.

If surcharging is turned on, surcharges will automatically apply to eligible cards on file when they are charged through supported payment flows.

Before charging a saved card, make sure the customer has been clearly informed that a credit card surcharge may apply.

If a transaction is not eligible for surcharging, Housecall Pro will not apply the surcharge. This may happen based on payment method, card type, location, or other surcharge rules.

For questions about enabling or using surcharging in Housecall Pro, contact Housecall Pro Support using the Blue Chat Bubble.

If you’re unsure how surcharge rules apply to your business, we recommend consulting your legal, tax, or compliance advisor.