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Yeeld’s Online Surcharging Program Debuts

Six months after issuing an API code to enable surcharging for online transactions, Chicago-based Yeeld released YeeldPay, its surcharging program for merchants.

Yeeld says YeeldPay is a no-code payment page that provides merchants across the United States with a compliant surcharging program that, because it uses the Yeeld Surcharging API, is continually updated with state regulations and card-brand rules.

Yeeld says it launched YeeldPay after hearing from merchants. “After launching our Surcharging API, we heard from many merchants who wanted an easier way to get started – without the time and expense of custom development. YeeldPay is our no-code option, designed to help merchants launch quickly and start recovering credit card processing fees right away,” Mira Boora, Yeeld chief operating officer, tells Digital Transactions News in an email.

Surcharging has surfaced as a way for merchants to recoup some of their credit card processing costs. Card networks had prohibited surcharging until 2013, when Mastercard Inc. and Visa Inc. changed their rules to allow it. Merchants are not supposed to add surcharges to debit card transactions, only credit card ones.

Yeeld, whose founders include former Stripe Inc. employees—Boora and Emily Tsitrian, chief executive— says YeeldPay is a hosted payment page that can be white-labeled, with no Yeeld branding visible to consumers. Because Yeeld hosts the page, no engineering support is required. YeeldPay also has an integration with Stripe to enable merchants on that platform to have an easier onboarding and processing setup, Yeeld says.

YeeldPay is well-suited to merchants using invoicing, enterprise resource planning applications, Salesforce, or email-based payment flows, Yeeld says. The company released its Surcharging API in February. YeeldPay is designed for online transactions, while it also offers surcharging services for card-present transactions, Boora says. Stripe merchants with a Stripe Terminal in a store can use Yeeld’s surcharging service with an additional integration, she says.

Surcharging can be an effective tool for payments companies and their merchants. “[Surcharging] allows merchants to shift the cost of credit card transactions back to the consumer, preserving margins without increasing base prices across all customers. And it does this while making merchants’ cost of acceptance far more predictable,” Cliff Gray, principal at payments advisory Gray Consulting Venture, wrote in the March issue of Digital Transactions.

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