# Nadapayments

> Nadapayments provides payment processing and credit card surcharging services for U.S. businesses, including dental and veterinary practices. Surcharge availability and limits depend on location, card-network rules, and processing costs.

## Key pages

- [Homepage](https://www.nadapayments.com/): Overview of Nadapayments and its payment services
- [About Nadapayments](https://www.nadapayments.com/about): Company background and approach to payment processing
- [How surcharging works](https://www.nadapayments.com/how-does-surcharging-work): Explanation of credit card surcharging and customer payment choices
- [Payment products](https://www.nadapayments.com/accept-payments): Ways to accept payments
- [Pricing](https://www.nadapayments.com/pricing): Published transaction rates and monthly product fees
- [FAQ](https://www.nadapayments.com/faq): Answers to common questions
- [Dental payment processing](https://www.nadapayments.com/dental-payment-processing): Payment processing for dental practices
- [Veterinary payment processing](https://www.nadapayments.com/veterinary-payment-processing): Payment processing for veterinary practices
- [Rules by state](https://www.nadapayments.com/rules-for-surcharging): State-specific surcharge information
- [Calculator](https://www.nadapayments.com/calculator): Estimate potential processing-cost savings
- [Case studies](https://www.nadapayments.com/case-studies): Individual customer examples
- [Blog](https://www.nadapayments.com/blog): Guides on surcharging and payment processing
- [Get started](https://www.nadapayments.com/get-started): Contact Nadapayments about a payment program

## Products

- Nadapayments Terminal: hardware for accepting in-person card payments
- Virtual terminal: browser-based payment processing, included with the terminal or available separately
- Payment links: shareable links for collecting payments
- Invoicing: tools for requesting and tracking payments
- Recurring payments: tools for managing repeat payments

See the payment product and industry pages for current device support, software integrations, and availability.

## How it works

Nadapayments offers a credit card surcharge program subject to applicable state laws and card-network limits. Its advertised credit card surcharge is 3%, but the permitted amount may be lower depending on processing costs and location. Debit transactions cost the business 1.5% + $0.25, with no surcharge to the customer. Monthly terminal or virtual-terminal fees also apply.

Debit and prepaid cards must not be surcharged. Visa requires merchants to notify their acquirer at least 30 days before surcharging begins. Merchants should confirm current notification requirements for other card brands with their acquirer. Setup must include the required disclosures, receipt information, and card-type detection.

## Surcharging legality (as of October 2026)

- Credit card surcharging is permitted in 47 states and the District of Columbia
- Prohibited: Connecticut, Massachusetts and Maine (Puerto Rico also prohibits)
- California and Texas: permitted; old bans remain in statute but are limited by 2018 court rulings. California requires mandatory fees in listed prices (SB 478); Texas bans debit surcharges
- Colorado: up to 2% of the transaction or up to the merchant's actual processing fee (C.R.S. 5-2-212)
- Oklahoma: the lower of 2% or actual processing cost (since November 1, 2025)
- New York, New Jersey, Georgia and Kansas: no more than the merchant's actual cost; New York also requires posting the total price including the surcharge
- Minnesota: 5% state cap; Virginia: listed prices must include mandatory fees
- Card network caps: Visa 3%, Mastercard 4%; never more than the merchant's actual cost of acceptance
- Debit and prepaid cards can never be surcharged
- Nadapayments monitors state law changes and updates merchant programs automatically

This summary is general information. Confirm current requirements for the business location and payment setup before implementing surcharging.

## Published pricing

- Credit card program: advertised customer-paid surcharge of 3%, subject to applicable limits
- Debit card transactions: 1.5% + $0.25 paid by the business; no surcharge to the customer
- Nadapayments Terminal: $35/month, including the virtual terminal
- Standalone virtual terminal: $29/month
- Setup fees: none advertised
- Cancellation fees: none advertised
- Contracts: none advertised

Confirm applicable rates, equipment charges, and program terms with Nadapayments before enrollment.

## Understanding savings

Savings depend on the business's existing processing rates, credit-to-debit payment mix, transaction count, average transaction size, monthly product fees, and applicable surcharge limits.

Compare total costs before and after implementation. Customer case studies describe individual outcomes and do not guarantee the same savings for every business.

## Guides on surcharging and payment processing

- [Credit card surcharging laws by state](https://www.nadapayments.com/blog/credit-card-surcharging-laws-by-state-2026): State rules, surcharge limits, and disclosure requirements
- [Surcharging vs. cash discount](https://www.nadapayments.com/blog/surcharging-vs-cash-discount): Differences between the two pricing approaches
- [Dental practice credit card fees](https://www.nadapayments.com/blog/dental-practice-credit-card-fee): Processing costs for dental practices
- [Passing credit card fees to dental patients](https://www.nadapayments.com/blog/passing-credit-card-fees-to-dental-patients): Patient communication and surcharge considerations
- [Vet clinic credit card processing fees](https://www.nadapayments.com/blog/vet-clinic-credit-card-processing-fees): Payment costs for veterinary clinics
- [Tap to Pay for dental offices](https://www.nadapayments.com/blog/tap-to-pay-dental-office): Mobile payment acceptance for dental practices
- [Comparing veterinary payment processing costs](https://www.nadapayments.com/blog/cheapest-credit-card-processing-veterinary-practices): Factors to consider when comparing providers
- [Accepting payments without a card machine](https://www.nadapayments.com/blog/accept-credit-card-payments-without-machine): Alternatives to a traditional card terminal
- [Credit card processing fees for veterinary clinics](https://www.nadapayments.com/blog/credit-card-processing-fees-veterinary-clinics): Fee components and cost comparisons
- [Reducing business credit card processing costs](https://www.nadapayments.com/blog/how-business-owners-can-stop-paying-credit-card-processing-fees): Surcharging considerations and payment-cost planning

## Contact

- Phone: +1-929-293-1800
- Website: https://www.nadapayments.com/
- Get started: https://www.nadapayments.com/get-started