Pass Credit Card Processing Fees to Customers on Shopify
Offset payment processing costs by adding a transparent credit card surcharge at checkout. Magical Fees applies the fee only when customers pay by credit card, keeping your margins intact while staying upfront about costs.
Below we cover what credit card surcharges means for Shopify merchants, how Magical Fees & Tariffs handles the setup, and links to detailed guides.
Credit Card Surcharges: Credit card surcharges are additional charges of 1.5–4% added at checkout when customers pay by credit card. They help merchants offset interchange and processing fees charged by card networks. Surcharges are legal in most U.S. states but banned in Connecticut, Massachusetts, and Puerto Rico—merchants must comply with local regulations.
See it in action
Watch how Magical Fees & Tariffs handles credit card surcharges on a live Shopify store.
How to Add Credit Card Surcharges to Shopify
How it works
Getting credit card surcharges running with Magical Fees & Tariffs takes just a few steps.
How to Pass Credit Card Surcharges on Shopify
- 1
Install Magical Product Fees
Install Magical Product Fees on your Shopify store. The free trial gives you time to configure your fees and test before committing.
- 2
Create a surcharge rule
Create a surcharge rule, set the percentage (typically 2–3%), and configure it to apply only to credit card payments. Exclude regions where surcharges are banned (Connecticut, Massachusetts, Puerto Rico) if needed.
- 3
Test with a sample order
Assign the surcharge rule to the appropriate payment methods, place a test order using a credit card, and verify the surcharge appears correctly at checkout.
Further reading
Dive deeper with step-by-step guides and detailed articles about credit card surcharges.
How to charge a credit card payment method fee with Magical Fees
For Shopify Plus (Growth Plan)This feature is fully supported for merchants on Shopify Plus using the Growth Plan. In the app admin, click Create Fee.
How to Add a Credit Card Surcharge on Shopify
Learn how to add credit card surcharges on Shopify. Understand payment rules, stay compliant, and recover transaction fees with an app.
Where this applies
Regulations and jurisdictions that apply to credit card surcharges. See full fee schedules for exact amounts and official sources.
U.S. Credit Card Surcharge Laws
United States · 4 jurisdictions
| Jurisdiction | Fee |
|---|---|
| Most U.S. states | Permitted, typically capped at 2-4% (must not exceed actual processing cost) |
| Connecticut | Surcharges restricted |
| Maine | Surcharges restricted |
| Massachusetts | Surcharges restricted |
Other Magical Fees & Tariffs use cases
Magical Fees & Tariffs handles more than just credit card surcharges. Explore what else it can do for your store.
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