SurchX Review

Our score: 8.0 User satisfaction: N/A

What is SurchX?

SurchX is a surcharge solution that enables merchants to increase their profits by surcharging their customers and still retain or even grow their client base. Majority of the modern consumers use credit cards to pay for products and services and each transaction entails a credit card processing fee that is usually 3% of the actual price, which is paid by merchants to credit card companies. This burns a huge hole to the merchants’ revenue – up to 30% of their profit.

With SurchX, merchants recover operational losses due to processing fees from credit card companies by securely passing said fees to their customers. The software does this while adhering to compliance policies of 67 regulatory bodies in the United States.

When a customer pays via credit card, SurchX’s powerful API instantly immediately recognizes the credit card being used, the processing fee being charged, and how much of the fee can the merchant pass on to the customer as permitted by the law. SurchX then automatically adds the processing fee to the customer’s total purchase price.

Overview of SurchX Benefits

Recover Losses

SurchX presents merchants and retailers with a secure and legal way to recover their losses due to credit card processing fees. As many customers purchase products and pay for services using credit cards instead of cash, merchants have to shoulder the costs of credit card processing fees, which represents 30% of their annual profit.

With SurchX, you are able to pass on processing fees to your customers and recoup your losses. That means more profit for your business.

Completely Legal

Surcharging your customers is legal, although the amount you can pass on to your customers varies based on location, prevailing policies, and laws. SurchX is compliant with over 60 regulatory bodies and does all the calculating and charging.

The software automatically identifies the credit card of the buyer and the processing fees and instantly scours its database for policies and laws that apply to the said transaction. Based on its findings, SurchX then passes on the processing fee to the customer, the amount depending on what the law allows. You never have to worry about breaking any law with SurchX.

Consumers are okay with it

According to research, the vast majority of customers don’t mind paying the credit card processing fee whenever they transact using their credit cards. That means you don’t have to worry about losing customers if you start surcharging them.

Overview of SurchX Features

  • Powerful API
  • Compliant With Leading Regulatory Bodies
  • Compatible with over 600k credit card types
  • Integrations with popular payment gateways and shopping carts

What Problems Will SurchX Solve?

Use cases:

  • SurchX tested on a mini storage business with recurring revenues. They disclosed the surcharge. No one canceled, no one complained. Four people out of 2,350 opted for an alternative payment method.
  • Food delivery services and supermarkets with narrow margins can use SurchX. Supermarkets often have net margins of 1% and rely on turnover to make money.
  • SurchX is used by call centers. SurchX specializes in making Card-Not-Present transactions, where customers often use reward cards that cost merchants interchange fees and higher processing costs.

Awards & Quality Certificates

An award given to products that have recently entered the market but are already becoming very popular
This certificate is granted to products that offer especially good user experience. We evaluate how easy it is to start using the product and how well-designed its interface and features are to facilitate the work process.

SurchX Position In Our Categories

Because companies have distinct business wants, it is only logical they abstain from going for a one-size-fits-all, ”best” software product. At any rate, it is hard to try to pinpoint such application even among widely used software products. The efficient thing to undertake can be to spell out the numerous major aspects that require investigation including essential features, costing, technical skill aptitude of staff members, business size, etc. After which, you should conduct your product research to a full extent. Read some SurchX evaluations and check out the other software products in your list in detail. Such all-encompassing product research guarantees you weed out ill-fitting applications and select the one which offers all the aspects you require company requires.

Position of SurchX in our main categories:

TOP 200

SurchX is one of the top 200 eCommerce Software products

If you are interested in SurchX it might also be a good idea to investigate other subcategories of eCommerce Software listed in our base of SaaS software reviews.

Each enterprise has its own characteristics, and might need a special eCommerce Software solution that will be fit for their business size, type of clients and staff and even individual industry they deal with. We advise you don't count on getting an ideal solution that is going to work for each company no matter what their background is. It may be a good idea to read a few SurchX eCommerce Software reviews first and even then you should pay attention to what the service is intended to do for your business and your employees. Do you need a simple and intuitive service with just basic features? Will you actually use the advanced tools needed by experts and big enterprises? Are there any particular tools that are especially useful for the industry you operate in? If you ask yourself these questions it will be much easier to get a solid app that will fit your budget.

How Much Does SurchX Cost?

SurchX Pricing Plans:

Free Trial



SurchX is free. It doesn’t offer enterprise pricing. In most cases, they don’t charge anything or they may add 0.5% to the transaction, depending on various situations. For more info, get in touch with the software vendor.

User Satisfaction

Positive Social Media Mentions 0
Negative Social Media Mentions 0

We realize that when you make a decision to buy eCommerce Software it’s important not only to see how experts evaluate it in their reviews, but also to find out if the real people and companies that buy it are actually satisfied with the product. That’s why we’ve created our behavior-based Customer Satisfaction Algorithm™ that gathers customer reviews, comments and SurchX reviews across a wide range of social media sites. The data is then presented in an easy to digest form showing how many people had positive and negative experience with SurchX. With that information at hand you should be equipped to make an informed buying decision that you won’t regret.


Technical details

Devices Supported

  • Windows
  • Linux
  • Android
  • iPhone/iPad
  • Mac
  • Web-based


  • Cloud Hosted

Language Support

  • English

Pricing Model

  • Free
  • Quote-based

Customer Types

  • Small Business
  • Large Enterprises
  • Medium Business

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

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What are SurchX pricing details?

SurchX Pricing Plans:

Free Trial



SurchX is free. It doesn’t offer enterprise pricing. In most cases, they don’t charge anything or they may add 0.5% to the transaction, depending on various situations. For more info, get in touch with the software vendor.

What integrations are available for SurchX?

SurchX integrates with the following business systems and applications:

  • Magento
  • Woocommerce
  • Shopify
  • Shopify+

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Reviewed By Jenny Chang
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