"We run multi-location retail stores in Chicago. We just learned about the new Illinois law that says we shouldn't be charged credit card processing fees on sales tax or customer tips. Our current credit card company says our system doesn't support this and keeps charging us fees on our entire sales total."
You are paying unnecessary transaction fees on money that isn't even yours. When a customer pays sales tax or leaves a tip, that money goes straight to the state or your staff. Under the law, credit card companies are banned from charging you fees on these non-revenue amounts, but they will keep doing it unless your checkout system programmatically splits them.
Standard payment gateways are blind to tax and tip fields, processing the entire transaction total as a single, interchange-eligible figure. This directly violates the Illinois Interchange Fee Prohibition Act (IFPA) guidelines, resulting in systematic fee overcharges on non-revenue transactions.
We implement our automated Illinois Tax-Splitting Filter. The terminal POS software automatically runs a real-time BIN check to identify Illinois cards. If detected, the system programmatically isolates sales tax and tip data post-authorization, routing the payload to block the card networks from extracting interchange on non-revenue variables, ensuring complete compliance and immediate cost savings.
Standard payment gateways overcharge interchange fees on non-revenue tax and gratuity totals. VALZOX deploys real-time BIN checks and post-authorization payload splitting to enforce Illinois IFPA compliance and eliminate unearned network surcharges.
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