Save dough by paying 0% on credit card transactions, with free hardware and powerful tools to empower your business.
Get StartedTake payments anywhere — from the shop floor to the counter, from tableside to curbside. Our included* smart wireless payment solutions let you accept payments wherever customers are, without being tied to a register or fixed checkout.
Sleek, dual-screen point-of-sale looks good on any counter top for the ultimate in-store customer experience. Create effortless checkout with a dedicated screen for you and one for your customer, allowing them to checkout, sign, and tip with ease.
Lightweight, compact, and durable point-of-sale that can be used across your business. Enjoy the flexibility of selling and taking payments without being tied to a counter. Plus, it has an extended battery life for longer selling days.
Use the Tap to Pay Mobile App to accept contactless credit and debit card payments, plus Apple Pay and Google Pay. It’s easy, secure, and private.
Included on the Smart Terminal Duo and Flex.
Dough empowers your business with industry-leading features, all included at no additional cost.
Manage your inventory, customers, orders, employees, accounting, and more from a central hub. Get real-time 360° reporting and manage your teams with specific roles and accesses.
Choose a handheld POS that can be used anywhere or choose the dual screen POS for Countertop sales.
Commerce Sync automatically reconciles your daily transactions, fees, and payouts—so your deposits always match your reporting.
Create and send professionally branded invoices wherever you do business. Send single invoices, or setup a recurring series of invoices to collect payment automatically.
Create a shareable payment link, the easy way to accept payments. Look professional with an image, logo, and info on your payment link.
Manually enter card payments from your smartphone, computer, or any wifi-connected device to quickly accept remote payments.
Keep more of the dough you process. Powerful tools for your business—absolutely no junk fees, terminal costs, or contracts.
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.
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.
No. While Dough 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. Dough does not provide legal advice and assumes no liability for a merchant’s compliance.
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.
Yes. Card networks require clear and transparent disclosure of any credit card surcharge. Businesses must notify customers through appropriate signage at the business, point of sale, and anywhere payments are accepted. If payments are accepted online, the surcharge must also be clearly disclosed on the business website.
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.
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.
A credit card surcharge is an additional fee added to a transaction when a customer 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.
If you are considering introducing a credit card surcharge for your customers, 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 business, you should consult with qualified legal counsel. Dough assumes no liability for a merchant’s compliance or non-compliance with credit card surcharging rules or regulations.
Transparent Communication
card surcharge is applied.
Businesses must clearly notify customers of a credit card surcharge through appropriate signage placed at the business 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 business’s website. All disclosures must inform customers 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 customer.
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 business 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, businesses can implement credit card surcharging in a way that aligns with card-network rules and promotes transparency with customers. Clear and upfront communication helps maintain customer trust and supports a positive payment experience.
Zero processing cost—customers cover the card fee.
Simple, transparent pricing for every transaction.
Dough, LLC is committed to safeguarding your privacy online. Any personal information or e-mail addresses collected on our online application form are both secure and confidential. We will initiate contact only to provide you with requested information or to follow up on an application that was submitted.
Payments made by credit cards are always secure. Dough, LLC uses a highly secure encryption protocol assuring your card information is safely processed.
Dough, LLC is committed to providing you with excellent service for all of our products. Because we respect your right to privacy, we have developed this Privacy Statement to inform you about our privacy practices for the entire Dough, LLC site (which covers dough.cc).
Privacy is of great concern to most users of the Internet, and is a critical part of an enjoyable and satisfactory user experience. We at Dough, LLC are acutely aware of and sensitive to the privacy concerns of our subscribers and other visitors to our Web site. Whether you are a customer of our various products and services or a visitor to our site, we assure you that we do not collect personal information from you unless you provide it to us.
We do not collect any personal information from a visitor to our site unless that visitor explicitly and intentionally provides it. Under no circumstances do we collect any personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, or sex life. If you are simply browsing our site, we do not gather any personal information about you.
There are two ways in which you may explicitly and intentionally provide us with and consent to our collection of certain personal information:
When you visit our site, our computers may automatically collect statistics about your visit. This information does not identify you personally, but rather about a visit to our site. We may monitor statistics such as how many people visit our site, the user’s IP address, which pages people visit, from which domains our visitors come and which browsers people use. We use these statistics about your visit for aggregation purposes only. These statistics are used to help us improve the performance of our Web site.
We generally respond to any e-mail questions, requests for product or service information, and other inquiries that we receive. We may also retain this correspondence to improve our products, services, and Web site, and for other disclosed purposes. Frequently we retain contact information so that we can send individuals updates or other important information about our services and products.
Occasionally these updates or other important information may be sent out by third parties on our behalf. Please be assured that any third party who contacts you in this capacity has executed a confidentiality agreement with us that contains a provision ensuring the privacy and security of any transferred information and limits the third party’s use of the shared information to sending updates or providing services on our behalf.
In situations where you have supplied your information in connection with a question or request for information about a product or service offered by a Dough, LLC business partner, we may also send the information you have supplied to the Dough, LLC business partners that offer such products or services. Please be assured that the Dough, LLC business partners have agreed to ensure the privacy and security of any transferred information and may only use the shared information to send you information about products or services about which you asked.
If you use the Dough, LLC payment gateway for online transactions, we may provide your personal information to appropriate financial institutions, processors, and third parties under contract with Dough, LLC or our Affiliates for providing a subset of the payment services (for example, credit authorization and fraud screening). For financial institutions and processors, the use of personally identifiable consumer information is governed by federal and state privacy laws.
For other third parties under contract with Dough, LLC, the use and distribution of your personal information will be used by such entity for its internal use related to fulfilling the transaction services for Dough, LLC, will be treated as confidential by this entity, and will be transferred between Dough, LLC and this entity only via encrypted means.
We may also permit the merchant through which you placed your order to review the personal information you provide. The merchant’s use of your personal information should be governed by your agreement with the merchant.
If we are required by law to disclose certain information to local, state, federal, national or international government or law enforcement authorities, we will do so.
Dough, LLC may use your email address to communicate with you about orders you have placed, accounts you maintain, or inquiries you have made about our products and services. In addition, we may send you email communications for customer satisfaction purposes or to inform you of special offers we believe will be of interest to you based on your profile. These emails will contain an unsubscribe link, which will enable you to opt out of receiving future mailings at any time, should you choose to do so.
We will never sell your contact information.
If you have questions about this policy, please contact us.
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Privacy Policy
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