White Paper · Funeral Service
Let’s Be Clear about Surcharging
The 3% Conversation: what every funeral director and funeral home team should know about credit card surcharging.
8 pages · PDF · Free to download and share
Why this paper matters
Many funeral directors worry that a surcharge line on the Statement of Funeral Goods and Services Selected will feel like one more burden on a grieving family. That concern deserves a careful answer. This white paper offers one, grounded in funeral-industry research and NFDA guidance rather than generic retail talking points.
What it covers
- What the card-acceptance fee actually is, and who has always paid it
- How common surcharging has become, and what NFDA’s General Counsel has published for members
- What families actually think, including the research on both sides
- What a 3% surcharge does to a funeral home’s economics, with a worked example
- How to introduce surcharging to families with care, including the three disclosures the card networks require
- Why a clearly disclosed surcharge can be the fairer approach for every family
This white paper is informational. Surcharging regulations vary by state; consult your payment processor and applicable state law before implementing a surcharge program.
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