Here’s some exciting news: Authorize.net, Moolah’s preffered payment gateway, have named Moolah a top reseller! This means that Authorize.Net values the work we’re doing together, just as we value the security and reliability Authorize.Net gives to customers who want to start accepting credit cards as a small business.
Good question. Authorize.Net are the experts when it comes to hooking up your website to the complex payment processing networks that make credit card transactions possible. They’ve got the complex infrastructure and necessary security to confidently provide you and your customers with the fast, reliable, and secure transmission of data necessary for your credit card transactions. Think of them as doing all of the footwork.
So where does Moolah fit in? Moolah provides the merchant account to your business. Whether you just need a “Buy Now” button that works on your e-commerce site, a more robust and customizable Application Programming Interface (API), a mobile payment experience, or a point-of-sale solution for your brick and mortar shop, Moolah provides the required bank relationship of credit card processing.
When combined with the authority, security, and convenience of Authorize.Net, a Moolah solution can revolutionize the payment side of your business. Want to learn more? Here’s a wonderfully simplified visualization of what happens to customer information when a credit card payment is processed.
What makes the partnership between Moolah and Authorize.Net an outstanding choice when you want to start accepting credit cards as a small business is the simplicity of the integration. Your payments to Moolah include fees to Authorize.net, meaning there are no other hidden costs. You’ll continually benefit from the security of Authorize.Net’s best-in-class processing solution, including their convenient gateway, while never having to think of it as separate from your Moolah solution. Once you join Moolah, simply set up your Authorize.net account and you’ll be all set!
The Gateway
The Authorize.Net payment gateway is available 24/7 for processing your payment transactions. Here, you’ll find a solid collection of value-added services that can help you manage your business more conveniently, and also protect you from fraud. You can manage and review transactions, download reports, and more.
The Seal
As a sign of the value Authorize.Net adds to your business, you’ll be able to display the Authorize.Net Verified Merchant seal on your website. This seal instantly conveys to your customers the message that your care about the security of their personal data by using a trusted processor for your transactions. Rest easy that the seal actually means something, too. You’ll know that your customers’ data is safe because of our compliance with industry standards, such as the Payment Card Industry Data Security Standard (PCI DSS).
When you get onboard with Moolah, you instantly have the power to offer your customers the ease, elegance, and simplicity of top-notch payment interfaces, no matter what device you’re using. What’s more, you’ll be backing it up with the powerhouse payment processing Authorize.Net delivers. Now, accepting credit cards as a small business is as easy as it should be. Visit the Moolah page on Authorize.Net’s website to learn more.
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A credit card surcharge is an additional fee added to a transaction when a patient chooses to pay with a credit card. The surcharge is intended to help offset the cost of credit card processing and applies only to eligible credit card transactions.
No. Debit card transactions may not be surcharged under any circumstances, even if the debit card is processed as a credit transaction or entered manually.
Yes. Credit card surcharges may not exceed the merchant’s actual cost of accepting credit cards and are capped at a maximum of 3% of the total transaction amount, in accordance with card-network rules and applicable law.
Yes. Card networks require clear and transparent disclosure of any credit card surcharge. Practices must notify patients through appropriate signage at the practice entrance, point of sale, and anywhere payments are accepted. If payments are accepted online, the surcharge must also be clearly disclosed on the practice’s website.
Yes. Some U.S. states and territories prohibit or restrict credit card surcharging. Practices are responsible for understanding and complying with their state’s specific requirements before implementing a surcharge.
No. While Moolah provides tools and general guidance to support credit card surcharging, compliance with all applicable laws and card-network rules is the responsibility of the merchant. Moolah does not provide legal advice and assumes no liability for a merchant’s compliance.
Most major credit card networks permit surcharging when done in accordance with their rules, but additional requirements or restrictions may apply. Practices should ensure they have completed all required network notifications and disclosures prior to enabling surcharging.
Failure to comply with surcharging rules may result in card-network fines, required refunds, or other enforcement actions. Practices should ensure they fully understand all applicable requirements before applying a surcharge.
Flex does not currently offer built-in support for credit card surcharging. If a practice chooses to enroll in a surcharge plan, payments would need to be processed through Moolah’s payment platform, which is designed to support surcharging and integrates directly with Open Dental.
If you are considering introducing a credit card surcharge for your patients, it is important to understand that there are specific rules and regulations that must be followed when enrolling in and operating under a surcharge plan.
This article provides a general overview of common surcharging requirements. This content is provided for informational purposes only and does not constitute legal advice. It is the responsibility of each merchant to review, understand, and comply with all applicable laws, card-network rules, and regulatory requirements, including notification timeframes, signage requirements, surcharge percentage limits, and jurisdictions where surcharging is prohibited.
If you are unsure about the laws or regulations applicable to your practice, you should consult with qualified legal counsel. Moolah assumes no liability for a merchant’s compliance or non-compliance with credit card surcharging rules or regulations.
Transparent Communication
Card networks, including Visa, Mastercard, Discover, and American Express, require merchants to clearly and transparently disclose when a credit card surcharge is applied.
Practices must clearly notify patients of a credit card surcharge through appropriate signage placed at the practice entrance, at the point of sale or terminal, and anywhere payments are accepted. If payments are accepted online, surcharge disclosures must also be clearly visible on the practice’s website. All disclosures must inform patients that the surcharge applies only to credit card transactions.
Surcharge Limits
Credit card surcharges must comply with both card-network rules and applicable law. The surcharge amount may not exceed the merchant’s actual cost of accepting credit cards and may not exceed 3% of the total transaction amount.
Card-network rules cap credit card surcharges at 3%, meaning that if a merchant’s processing costs exceed this amount, the excess portion cannot be passed on to the patient.
Network and State Restrictions
The major credit card networks, such as Visa and Mastercard, impose specific requirements related to surcharge limits, advance notification, and disclosure.
In addition, several U.S. states and territories regulate or prohibit credit card surcharging. At the time of writing, credit card surcharging is prohibited in Connecticut, Maine, Massachusetts, and Puerto Rico. Other states, including Colorado, Minnesota, Mississippi, New Jersey, and New York, impose restrictions on surcharge amounts or require specific disclosures.
If your practice operates in a state that restricts or prohibits credit card surcharging, you must fully understand and comply with those requirements before implementing a surcharge.
Debit card transactions may never be surcharged, even if the debit card is processed as a credit transaction.
Applicability
Credit card surcharges may be applied only to credit card transactions. Other payment types, including debit cards and alternative payment methods, are not eligible for surcharging.
Regulatory Compliance
Merchants are responsible for maintaining ongoing compliance with all applicable card-network and legal requirements. This includes meeting advance notification obligations, using compliant signage and disclosures, adhering to surcharge percentage limits, and respecting jurisdiction-specific restrictions.
By following these guidelines, dental practices can implement credit card surcharging in a way that aligns with card-network rules and promotes transparency with patients. Clear and upfront communication helps maintain patient trust and supports a positive payment experience.