---
title: "Card Payments"
slug: "card-payment"
updated: 2026-08-07T22:32:19Z
published: 2026-08-07T22:32:19Z
canonical: "www.procaresupport.com/card-payment"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://www.procaresupport.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Payments

> [!NOTE]
> Best Practices
> 
> Call customer support to discuss best practices for setting up payment methods tailored to your center's unique needs. Call (800) 964-1729 and follow the prompts.

### **Can our center charge additional fees to families who pay by card?**

#### Surcharge Rules and State Laws

In some cases, you may pass fees on to your customers; however, the rules can be cumbersome. Managing the surcharges for your child care business may be challenging. Some states have surcharge restrictions including: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas. For more information on surcharge rules:

- [Visa Surcharge Rules](https://usa.visa.com/support/consumer/visa-rules.html#2)
- [Mastercard Surcharge Rules](https://www.mastercard.us/en-us/merchants/get-support/merchant-surcharge-rules.html)
- Contact your state attorney general’s office for state-specific regulations.

#### Summary of Credit Card Surcharge Rules

To impose surcharges, a merchant must:

1. Notify the card companies and **Tuition Express** 30 days before beginning to surcharge.
2. Limit surcharging to credit cards only (no surcharging of debit or prepaid cards).
3. Limit the amount to your merchant discount rate for the applicable credit card (you cannot charge more than the credit card company charges for that card).
4. Disclose the surcharge as a merchant fee and clearly alert consumers to the practice at the point of sale and on every receipt.

#### Our Recommendation

We suggest the best way to pass processing fees on to your customers is to build them into your tuition and fee structure for all customers. For example, if a credit card transaction costs you, on average, 2% and half your family’s pay by credit card, then raising rates across-the-board by just 1% would cover your costs without requiring you to go through the legal hoops associated with charging a separate credit card surcharge. The next time you have a tuition and/or fee adjustment, simply plan for the fees associated with processing credit card and ACH transactions with **Tuition Express**.

### **When are payments deposited into our account?**

Payments are typically processed the following business day, subject to bank funding and processing approvals. Any items posted before 7:00 p.m. (in your local time zone) count toward your daily total. Depending on the types of payments you process, the amount may be split into multiple deposits. All credit card transactions from all card types (Visa, MC, Discover and AMEX) are deposited together. Processing fees are charged as a separate transaction on the 2nd business day of each month.