> For the complete documentation index, see [llms.txt](https://help.paintscout.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.paintscout.com/support/invoicing-and-payments/payments/credit-card-surcharging.md).

# Credit Card Surcharging

Credit card surcharging lets you pass credit card processing fees to customers. When enabled, the surcharge is added automatically at payment.

## What is Surcharging?

Credit card surcharging adds the payment processing fee when a customer pays by credit card.

***

## Where is surcharging prohibited?

Surcharging is prohibited in some regions, including:

* **Connecticut, United States**
* **Massachusetts, United States**
* **California, United States**
* **Kansas, United States**
* **Puerto Rico**

Some regions also cap the maximum surcharge. For example, Colorado limits it to 2%.

{% hint style="warning" %}
Check your local rules before enabling surcharging. Some regions ban it. Others cap the fee.
{% endhint %}

***

## How to Enable a Surcharge

1. Go to **Account Settings** > **Integrations.**
2. Open your payment processor - **PaintScout Payments** or **Stripe**.
3. Open the menu and click **Edit Surcharge Settings**.

   <figure><img src="/files/h2MVbiYcjvRFYpimHTyW" alt="Screenshot showing the Stripe surcharging configuration in Account Settings Integrations"><figcaption></figcaption></figure>
4. Select **Enable surcharging on payments made by credit card** to include surcharging on all payments — except deposit payments.
5. Select **Apply surcharge to deposit payments** if you want the surcharge to apply to deposits too.

<figure><img src="/files/aOQNIA7IGouWxA2k9imX" alt="" width="563"><figcaption></figcaption></figure>

6. Choose where these settings apply:
   * **Apply to new and existing estimates and invoices** applies the surcharge to new documents and updates existing estimates and invoices that *haven't been accepted* and *don't have a payment yet*.
   * **Only apply to new estimates and invoices** applies the surcharge only to new estimates and invoices. Existing documents stay the same.

<figure><img src="/files/VS2afrJlRKcT74KfhGdR" alt="" width="563"><figcaption></figcaption></figure>

***

## How to Adjust or Remove a Surcharge

1. On an estimate or invoice, open the sidebar menu.
2. Select **Payments & Lending**.
3. Modify the surcharge percentage or uncheck the box to remove it entirely.

<figure><img src="/files/cYgDJ4RWScEtRQo4nPNA" alt="Screenshot showing the Payments and Lending section for adjusting or removing a surcharge on an estimate"><figcaption></figcaption></figure>

***

## How Surcharging Appears on Invoices

The surcharge is added to the total when a customer pays by credit card or when you send a payment request with credit cards enabled.

<figure><img src="/files/fMjGANSzf4bvARd0xWO2" alt="Screenshot showing the surcharge added to the invoice total during credit card payment processing"><figcaption></figcaption></figure>

After the payment succeeds, the surcharge amount appears in the subtotal box.

<figure><img src="/files/lYIMR92rpmBjVJ0DfA8V" alt="Screenshot showing the surcharge amount included in the invoice subtotal after payment"><figcaption></figcaption></figure>

&#x20;&#x20;

## Related articles

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Payment Processing with Stripe</strong></td><td>Set up Stripe integration for credit card payments, deposits, and surcharging on estimates and invoices</td><td><a href="/pages/ZLe59xZCe0BnUc6RJ221">/pages/ZLe59xZCe0BnUc6RJ221</a></td></tr><tr><td><strong>How Customers Pay</strong></td><td>Understanding the customer payment experience from receiving invoice email to completing credit card payment</td><td><a href="/pages/QDWkcXek0HC1enwVM4WM">/pages/QDWkcXek0HC1enwVM4WM</a></td></tr></tbody></table>


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