Card surcharges

Pass card processing fees to your customers, at checkout.

FeeLayer adds a transparent processing-fee line item using Shopify's Cart Transform Functions. The fee can't be deleted from the cart by the customer, and it works with Shop Pay, Apple Pay, and Google Pay on every plan. Card-brand caps (Visa 3%, Mastercard 4%) and no-surcharge states (CT, MA, ME) are enforced automatically.

Cart Transform + Checkout Validation

Stop eating credit card fees.Recover them at checkout.

FeeLayer adds a transparent processing-fee surcharge at checkout, enforced by Cart Transform and Checkout Validation Functions running inside Shopify's infrastructure, so the fee applies on Shop Pay, Apple Pay, and Google Pay too.

ORDER SUMMARY
Order summary
Subtotal (3 items)$248.00
Shipping$9.00
Tax$20.56
Card processing fee
+$8.04
Waived for ACH & debit · not charged in CT/MA/ME
Total$285.60
Transparent checkout

Itemize fees clearly as a line item so customers understand what changed and why.

Rules & controls

Set percent or fixed fees, eligibility rules, and customer-facing labels that match your brand.

Region-aware behavior

Use region rules and disclosures as a starting point for compliance workflows in applicable states.

Shopify-first

Built to match Shopify merchant workflows, storefront patterns, and checkout extensibility.

Architecture

Most fee apps get bypassed at checkout.

Apps that rely on JavaScript injection or Checkout UI Extensions alone get stripped by Shop Pay, Apple Pay, and Google Pay. FeeLayer runs inside Shopify's infrastructure as two WebAssembly functions, so fees are enforced server-side.

Legacy approach
THE OLD WAY

JS injection + UI extensions

What most Shopify surcharge apps are running today.

<script> storefront
Checkout UI Extension
Payment
Common failure modes
  • Express checkout (Shop Pay, Apple Pay, Google Pay) skips the UI extension
  • Customers can strip the line-item fee from cart
  • Cart Transform collisions when bundles are installed
  • Mobile browser inconsistency (Android / iOS Safari)
FeeLayer
TWO ENFORCEMENT LAYERS

Cart Transform + Validation Functions

Shopify's newest architecture, adopted here, not retrofitted.

Cart Transform Function
WebAssembly (runs at edge)
Checkout Validation Function
Paid
Why it can't be bypassed
  • Server-side recalc on every cart mutation
  • Checkout Validation rejects orders with tampered totals
  • Express-checkout safe. Functions run before payment auth
  • Theme App Extension for storefront disclosure
The only surcharge app with two enforcement layersCart Transform for recalc, Validation for tamper-proofing.
Enforcement
Server-side
Express checkout
Fully covered
Merchant control center

Every fee recovered, live.

Built natively into Shopify Admin. Configure, pause, and audit fees in one place, no dev, no theme edits.

  • One-switch kill
    Pause fee collection globally in one click.
  • Flat, percentage, or hybrid
    Cap per order. Exempt debit. Skip ACH.
  • POS + online parity
    Same rules at the register as online.
  • State compliance rules
    Auto-waive in prohibited states with full audit log.
Shopify Admin · FeeLayer
FeeLayer
Compliance
Settings
Fee collection active
Applying surcharge on applicable card payments
Fee Engine · Cart Transform
Server-side WASM · tamper-proof at checkout
ACTIVE
Fees recovered
This month
Transactions
Across all payment methods
Avg fee
Per applicable order
Daily fee recovery
Last 14 days
US State Compliance · Built-in

Surcharge where it's legal. Waive where it's not.

FeeLayer ships with a rule engine that auto-waives fees in prohibited states and enforces card-brand caps and disclosure requirements.

Prohibited-state auto-waive
Zero fee charged when the billing address is in Connecticut, Massachusetts, or Maine. Full audit log retained.
Card-brand caps enforced
Hard-capped at 3% per Visa rules and 4% per Mastercard rules, per-transaction.
30-day notice helper
Visa requires 30 days' notice before surcharging. FeeLayer generates the disclosure template for you.
Debit & ACH exempt by default
Durbin Amendment, debit surcharging is prohibited. We skip it for you.
Compliance Summary
Surcharging is regulated state-by-state.

FeeLayer handles the rule matrix so you don't have to manage it manually.

Surcharging allowed
Most states, fee applies per your configured rate, capped at card-brand limits.
Disclosure required
Some states require advance written notice before surcharging. FeeLayer generates it.
Prohibited, fee auto-waived
CT, MA, ME. FeeLayer detects the billing state and skips the fee automatically.
Card-brand rules enforced
Visa30-day notice · 3% cap · credit only
Mastercard4% cap · credit only
Debit (Durbin)Never surcharged
Feature-for-feature

Everything the leaders offer, at 20% of the price

Compared against the top surcharge apps on the Shopify App Store. Feature checks are based on publicly documented behavior and pricing as of April 2026.

Cart Transform Functions

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Checkout Validation Functions (2nd enforcement layer)

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Bypass-proof on Shop Pay, Apple Pay, Google Pay

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

US state compliance auto-waive

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Card-brand caps enforced (Visa 3% / MC 4%)

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

POS + online parity

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Theme App Extension (storefront disclosure)

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Abandoned-cart safe (no draft orders)

FeeLayer
MerchantLayer
Magical Fees
Magical Apps
Upcharge
UC Lab
Releasit
Releasit

Pricing model

FeeLayer
MerchantLayer
Flat
Magical Fees
Magical Apps
Tiered
Upcharge
UC Lab
Tiered
Releasit
Releasit
Flat

Monthly price (entry plan)

FeeLayer
MerchantLayer
$9
Magical Fees
Magical Apps
$9
Upcharge
UC Lab
$9.99
Releasit
Releasit
$9.99

Source: Shopify App Store listings, vendor websites, and user-review analysis, April 2026. Features reflect default behavior on each app's entry-level plan; higher-tier plans may add capabilities that are only listed on paid tiers. Pricing shown is the lowest public plan, excluding free trials.

Stop absorbing card processing fees

Install FeeLayer from the Shopify App Store and start recovering card fees in minutes.

Find it on the Shopify App Store
The MerchantLayer Suite

One app. Three modules.

Recover every dollar lost to processing fees. Stack all three for flat pricing with no volume caps.