--- title: PayJunction Blog (2) description: Your go-to for payment processing news, resources and merchant success stories. The PayJunction Blog has everything you need to grow your business in one place. (2) --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. Get time back and spend it with furry patients.](https://www2.payjunction.com/payment-processing-veterinarians) - [Dental Simplify patient payments with multiple means of collection at your dental practice. Meet patient expectations and elevate the payment experience.](https://www2.payjunction.com/payment-processing-dentists) - [Auto Dealer Manage dealership payments by department, brand and location. Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # PayJunction Blog Real solutions to streamline your business. Featured Resource: Assess Your Merchant Statements DOWNLOAD NOW Show All ACH Animal Hospitals API Auto Dealership Auto Repair Auto Shop Business Management Business Tips Cards on File Case Study Chargebacks COVID-19 Credit Card Processing Dentistry Developer Resources E-Commerce Electronic Receipt EMV Enterprise Business Industry News Integrated Payments Legal Services Liability Shift Medical Practices Merchant Account NFC No-code Payments Integration® Paperless PayJunction Culture PJ University Questions and Answers Rates Remote Payments Remote Signature Security Smart Terminal Surcharge Survey Transparency Unethical Billing Veterinary Virtual Terminal - ## [![Is It Legal To Charge A Credit Card Fee? An Introduction to Card Brand And State Requirements](https://blog.payjunction.com/hubfs/Screenshot%202026-06-18%20at%209.59.00%20AM.png) Is It Legal To Charge A Credit Card Fee? An Introduction to Card Brand And State Requirements The answer isn’t always straightforward. Whether a business can legally charge a credit card surcharge depends on a combination of state laws and card brand requirements. While surcharging is allowed in most states, businesses must comply with specific rules regarding fee calculation, disclosure, and implementation. Because these requirements can change, it’s important to review surcharge programs regularly with both legal counsel and your payment provider. ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 6/18/2026 READ MORE](https://blog.payjunction.com/is-it-legal-to-charge-a-credit-card-fee-an-introduction-to-card-brand-and-state-requirements) - ## [![Why Dealerships Are Upgrading Payments Without Replacing Their DMS](https://blog.payjunction.com/hubfs/Integrated%20Payments.png) Why Dealerships Are Upgrading Payments Without Replacing Their DMS For many dealerships, payments have traditionally been treated as a back-end function, necessary, but not strategic. But, as margins tighten and customer expectations increase, that’s starting to change. Integrated payment solutions are part of that shift, making it possible for dealers to add new payment features that can save time and cut costs in a day or less. While some dealers may think they have to choose between the payment options that exist inside their DMS or adding a disconnected third-party tool, a no-code payment integration can offer dealers the best of both worlds. At a basic level, integrated payments connect the transaction process directly into dealership systems, such as the DMS or service platform. Instead of manually entering the transaction amount into the payment system and then going back to the invoice or repair order to mark it as paid, integrated payments connect these systems and remove the manual steps. The result is a simpler, more connected way to accept payments. This also means dealership payment upgrades can be deployed quickly, often in a day or less, without requiring a DMS change or employee workflow overhaul. Now, with the quick and easy upgrade that integrated payment systems offer, more dealers are able to assess the strategic impact that upgrading to a payment processor designed specifically for dealerships can bring, both to the customer experience and the bottom line. Complete a Surcharge Savings Analysis, Get $250 On Us\* Auto dealerships that complete an an analysis will receive a $250 Visa® Gift Card or can choose to have PayJunction make a $250 charitable donation on your behalf. \*Rules apply GET DEMO NOW ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 5/22/2026 READ MORE](https://blog.payjunction.com/why-dealerships-are-upgrading-payments-without-replacing-their-dms) - ## [![Credit Card Surcharge Laws by State: Considerations for Merchants](https://blog.payjunction.com/hubfs/State%20(1).png) Credit Card Surcharge Laws by State: Considerations for Merchants Credit card surcharging rules are not one-size-fits-all. While federal regulations and card brand rules provide a general framework, individual states still have unique requirements for credit card payments and credit card processing fees that merchants must follow. Below, we provide excerpts from and links to surcharging laws and regulatory guidance in certain states where merchants have raised questions in the past. The content provided here is for informational purposes only, may not reflect the most recent legal developments, and does not constitute legal advice. Get $250 On Us With A No-Obligation SmartSurcharge Savings Analysis\* We’re offering auto dealerships a complimentary surcharge savings analysis to dig into potential savings. Receive a $250 Visa® Gift Card or choose to have PayJunction make a $250 charitable donation on your behalf once analysis is completed. \*Rules apply GET STARTED ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 4/16/2026 READ MORE](https://blog.payjunction.com/credit-card-surcharge-laws-by-state-considerations-for-merchants) - ## [![How Andean Chevrolet Reduced Monthly Processing Fees from $40k to $6k](https://blog.payjunction.com/hubfs/ANDEAN.png) How Andean Chevrolet Reduced Monthly Processing Fees from $40k to $6k Credit card processing fees were quietly draining margin at Andean Chevrolet. In June alone, the dealership spent nearly $40,000 on credit card processing. That level of expense limited their flexibility, and hurt their bottom line profit. ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 3/11/2026 READ MORE](https://blog.payjunction.com/andean-chevrolet-reduce-fees-and-surcharging-case-study) - ## [![How Statewide Ford Simplified Payments & Offset Over 50% of Processing Costs with SmartSurcharge™](https://blog.payjunction.com/hubfs/State%20Wide%20Ford.png) How Statewide Ford Simplified Payments & Offset Over 50% of Processing Costs with SmartSurcharge™ For Statewide Ford, the goals were clear: reduce credit card processing costs, maintain full compliance with card brand rules, and simplify payment operations across the dealership. That’s why they partnered with PayJunction, a trusted partner committed to their long-term success. With PayJunction’s SmartSurcharge program and suite of modern tools, Statewide Ford now offsets over half of their total card processing fees annually with compliant technology that protects their CSI. And, after eight years working with PayJunction, the dealership has no intention to go elsewhere. “I couldn’t be any happier,” said Stacy, the dealership’s controller, “We don’t need to look at anything else because the service is that good.” ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team 1/20/2026 READ MORE](https://blog.payjunction.com/how-statewide-ford-simplified-payments-offset-over-50-of-processing-costs-with-smartsurcharge) - ## [![Strategic Surcharge: How CPAs Turn Credit Card Costs Into Real Business Value](https://blog.payjunction.com/hubfs/Screenshot%202026-01-09%20at%2011.00.19%20AM.png) Strategic Surcharge: How CPAs Turn Credit Card Costs Into Real Business Value Most businesses don’t realize they are paying 2-3% of every credit card sale as processing fees. For many, that cost quietly piles up month after month and becomes an unnecessary drag on cash flow, EBITDA, and overall financial health, especially for small businesses. CPAs see this erosion firsthand when they analyze financial statements, reconcile expenses, or prepare year-end reports. That puts accountants in a unique position to uncover one of the most overlooked margin-recovery opportunities in today’s economy. ![Picture of Randy Modos](https://blog.payjunction.com/hs-fs/hubfs/Randy-Modos-headshot.jpg?width=48&height=48&name=Randy-Modos-headshot.jpg) Randy Modos 1/9/2026 READ MORE](https://blog.payjunction.com/strategic-credit-card-surcharge-for-cpas) [Prev](https://blog.payjunction.com) [1](https://blog.payjunction.com) 2 [3](https://blog.payjunction.com/page/3) [4](https://blog.payjunction.com/page/4) [5](https://blog.payjunction.com/page/5) [Next](https://blog.payjunction.com/page/3) ### Download your **FREE** self-assessment about unethical billing. - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. Get Email Updates GO Thank you for subscribing! PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628). ```json { "@context" : "http://schema.org", "@type" : "Blog", "description" : "Your go-to for payment processing news, resources and merchant success stories. The PayJunction Blog has everything you need to grow your business in one place. (2)", "name" : "PayJunction Blog listing page", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" }, "url" : "https://blog.payjunction.com/page/2" } ```