Surcharging lets you recover credit card processing costs by adding a 3% fee to applicable card payments. This guide covers how to enable surcharging for your whole system and how to override it for individual invoices when needed.
Click Settings in your main menu.
Open System Settings, then select the Payment tab.
Turn on Enable Surcharging. The system will add a 3% fee to all credit card transactions, except in Connecticut, Maine, Massachusetts, and Oklahoma. Debit card surcharging isn't allowed, so those payments won't be affected.
Every credit card payment now has the fee applied by default — unless you turn it off for a specific invoice.
To override surcharging for a particular customer, open their invoice.
Find the Apply Credit Card Fees option and uncheck the box to remove the surcharge for this invoice. If the invoice is already paid, changing this won't have any effect.
Make sure Apply Credit Card Fees is unchecked before sending the invoice. The 3% fee won't be added, and it won't appear as a line item.
You can override the global surcharging setting for any invoice — just uncheck Apply Credit Card Fees whenever you want to waive the fee.
Surcharging helps cover payment processing costs, but exceptions are easy to manage — use the invoice-level option anytime you want to make a different call for a specific customer.
Reporting Impact: How Surcharging Affects Job Margin
Known reporting side effect: When a surcharge is added as a line item (where cost equals price), it increases Total Sales without adding any profit. This dilutes the reported margin percentage on the job — the number looks lower than the actual margin on the underlying work.
There is no built-in fix for this in Floorzap's job reporting. The only current workaround is to calculate commission manually using the custom commissions feature, which lets you exclude the surcharge line from the commission basis. This has been raised as a feature request.
If accurate margin reporting on surcharged jobs is important to your workflow, factor this in when reviewing job profitability reports.