Optimize Credit Card Surcharging in Salesforce with Chargent and InterPayments

Businesses using Salesforce for payment processing are constantly looking for ways to reduce costs without compromising customer experience. Credit card processing fees can take a significant toll on profit margins, making surcharging an attractive solution. However, navigating compliance requirements and operational complexities can be challenging.

That’s where Chargent and InterPayments come in. This partnership brings together Chargent’s Salesforce-native payment automation with InterPayments’ compliant surcharging expertise, offering businesses a seamless way to manage surcharges directly within Salesforce.

Watch the video below to see how InterPayments simplifies surcharging:

About Chargent: A Powerful Salesforce Payment Solution

Chargent is a leading Salesforce-native payment processing solution that enables businesses to accept, automate, and manage payments directly within Salesforce. It provides seamless payment workflows and supports multiple payment processors, allowing businesses to streamline transactions and reduce manual work. Chargent offers a flexible, scalable, and highly customizable solution, ensuring businesses can tailor payment processing to their needs. Features include automated recurring billing, real-time transaction monitoring, PCI compliance support, and detailed reporting tools. With Chargent, businesses gain full control over their payment operations, reducing friction and increasing efficiency.

About InterPayments: Compliance-First Surcharge Management

InterPayments specializes in real-time, compliant credit card surcharging solutions designed to help businesses recover payment processing costs while adhering to regulations. Their technology enables businesses to automate and customize surcharge calculations based on factors such as card type, transaction amount, and regional regulations. InterPayments provides a transparent, rules-based surcharging model that seamlessly integrates with existing payment workflows. Businesses using InterPayments benefit from reduced transaction costs, improved compliance confidence, and simplified surcharge management. Their cloud-based solution ensures accurate, up-to-date compliance with evolving surcharging laws, helping businesses implement surcharges effortlessly and legally.

Why This Partnership Matters

High credit card processing fees are a burden for many businesses. Traditional methods to offset these costs, such as raising prices or limiting payment options, often negatively impact customer satisfaction. Surcharging is a practical alternative, but without proper automation, it can introduce compliance risks and operational inefficiencies.

The Chargent-InterPayments integration offers a solution that simplifies and automates surcharge management within Salesforce, ensuring businesses can pass processing costs to customers efficiently and compliantly. Here’s why this partnership is crucial:

• Automating Compliance: With surcharging regulations varying across states and card networks, businesses must carefully navigate legal requirements. The Chargent-InterPayments solution automates compliance checks, ensuring that businesses remain within legal boundaries and avoid penalties.
• Operational Efficiency: Manually managing surcharges can be time-consuming and prone to errors. This integration eliminates the need for manual calculations by automatically applying compliant surcharges based on card type, location, and transaction amount.
• Maximizing Cost Savings: By shifting processing fees to customers where permitted, businesses can significantly reduce payment processing expenses while maintaining competitive pricing.
• Maintaining Customer Transparency: Customers are more likely to accept surcharges when they are clearly disclosed and applied fairly. This partnership ensures that surcharge rules are communicated transparently at the time of payment, reducing customer friction.
• Seamless Integration with Salesforce: Businesses already using Chargent for payments in Salesforce can easily incorporate surcharge management into their existing workflows without requiring additional third-party systems or manual intervention.
• Improved Cash Flow Management: Reducing processing costs allows businesses to reinvest savings into growth initiatives, improving overall financial health and stability.

This partnership empowers businesses with a hands-free, compliant, and scalable surcharging solution, making it easier than ever to recover processing costs without disrupting payment operations.

Understanding the Challenge: Payment Processing Costs & Surcharging

• The Cost Burden: Businesses processing high volumes of credit card transactions often face significant processing fees.
• Limited Alternatives: Increasing product prices or restricting payment options may lead to customer dissatisfaction and lost sales.
• Inefficient Processes: Passing credit card fees to customers allows businesses to maintain margins, but manual surcharge management can be complex and prone to errors.
• Compliance Risks: Surcharging regulations vary by region, issuing bank, and card type, making compliance a challenge without automation.

How Chargent & InterPayments Work Together

The Chargent-InterPayments integration offers a fully automated and compliant surcharging solution within Salesforce, enabling businesses to:

• Seamlessly integrate surcharge management into existing Salesforce payment workflows without disrupting operations.
• Automate surcharge calculations by dynamically determining the appropriate surcharge amount based on card type, location, transaction amount, and card network regulations.
• Ensure compliance with all surcharging laws and card network rules, preventing businesses from mistakenly applying incorrect surcharge rates or violating regional restrictions.
• Customize surcharge rules to align with business policies and customer preferences, offering flexibility in determining which transactions should have surcharges applied and at what rate.
• Provide real-time surcharge visibility by showing calculated surcharge amounts upfront during payment transactions, ensuring transparency for customers and reducing disputes.
• Streamline reconciliation and reporting by providing detailed breakdowns of surcharge amounts, transaction fees, and net revenue, all within Salesforce dashboards, eliminating the need for finance and operations teams to track and apply surcharges manually.
• Enhance customer experience by maintaining a seamless payment process with clear, automated surcharge disclosures that comply with transparency regulations.
• Support multi-region and multi-processor environments, ensuring businesses with complex payment ecosystems can manage surcharges efficiently across different locations and payment gateways.

This seamless integration eliminates the complexities of manual surcharge management while ensuring full compliance and operational efficiency, making it an ideal solution for businesses looking to optimize payment processing in Salesforce.

Key Benefits of the Integration

• Reduce payment processing costs by passing fees to credit card users.
• Ensure full compliance with all applicable surcharging regulations.
• Automate surcharge implementation within Salesforce, reducing manual errors.
• Enhance reporting & visibility into processing fees and payment trends.
• Improve customer experience by maintaining transparency and flexibility.

Early customers that have taken advantage of this integration have noticed immediate benefits and measurable results, as part of each transaction moves from expense to profit.

Who Benefits Most from This Integration?

• Businesses processing high credit card transaction volumes that want to reduce payment processing costs without increasing product prices.
• Retailers, SaaS companies, and service-based businesses that rely on credit card payments and want an automated way to manage surcharges compliantly.
• Organizations operating in multiple regions that need a scalable, automated surcharge solution that adapts to different regulations and payment processors.
• Finance and operations teams looking to improve reporting accuracy, streamline payment processing, and reduce surcharge-related administrative burdens.
• Salesforce admins and IT teams that want a seamless, native integration without requiring additional third-party applications or manual configurations.
• Companies looking to enhance customer transparency by ensuring surcharge disclosures are clearly communicated at the time of payment.
• Businesses interested in improving cash flow management by recovering transaction fees while maintaining a positive customer experience.

This solution is particularly valuable for any organization seeking a cost-effective, compliant, and automated approach to surcharging within Salesforce.

Frequently Asked Questions (FAQ)

Q: What is surcharging, and why is it important for businesses?

A: Surcharging is the practice of passing credit card processing fees to customers instead of absorbing them as a business expense. It helps businesses reduce payment processing costs while maintaining competitive pricing, making it a valuable tool for improving profitability.

Q: Is surcharging legal everywhere, and how does the integration handle compliance?

A: Surcharging is regulated differently depending on the region, card network, and transaction type. The Chargent-InterPayments solution automatically checks compliance rules in real-time, ensuring that surcharges are applied correctly and legally to avoid penalties.

Q: Will this integration disrupt my existing payment workflows in Salesforce?

A: No, the integration seamlessly works within Salesforce and Chargent’s existing payment workflows. Businesses can enable surcharge management without the need for additional third-party systems or manual intervention.

Q: How does this integration improve transparency for customers?

A: The solution ensures that surcharge amounts are displayed in real-time at the point of payment, providing full transparency. This reduces disputes and improves customer trust by clearly communicating any additional charges before completing the transaction.

Q: Who benefits the most from using this surcharge solution?

A: Businesses with high credit card transaction volumes, such as retailers, SaaS providers, and service-based companies, will see the most benefit. It’s also ideal for organizations operating in multiple regions that need an automated, scalable, and compliant surcharging solution.

Q: What payment processors does this integration support?

A: Chargent supports multiple payment processors, and InterPayments works within this ecosystem to apply compliant surcharges. Businesses can continue using their preferred payment processor without disruption.

Take the Next Step

The partnership between Chargent and InterPayments makes compliant credit card surcharging effortless within Salesforce. Businesses can now offset processing costs without added complexity, ensuring a smoother and more cost-effective payment experience. Explore how Chargent & InterPayments can help your business today. Visit the Chargent Surcharging page to learn more and explore a free trial.