Stax

JULY 30, 2024

TL;DR A credit card surcharge program can be particularly beneficial for small businesses to offset the cost of accepting credit card payments. However, before implementing it, you must know all the state, federal, and card network rules surrounding it. Montana – The surcharge rate is capped at 3%.

Credit Cards 166

Credit Cards Laws Rules Debit Card 166

EBizCharge

JUNE 23, 2025

One option on the table is adding a credit card surcharge—a small extra fee to help cover your costs. But here’s the catch: surcharge rules are a patchwork of federal guidelines, state laws, and card network rules. And the card networks like Visa and Mastercard have their own rulebooks.

Credit Cards 52

Credit Cards Legal Card Network Rules Point-of-Sale (POS) 52

EBizCharge

JUNE 19, 2025

Most card networks cap the credit card surcharge fee at 3%, or the actual cost of payment processing—whichever is lower. Your point-of-sale (POS) system , invoicing software, or online checkout platform needs to be set up to apply the surcharge correctly. Card network rules can be updated.

Credit Cards 52

Credit Cards Debit Card Card Network Rules Processors 52

Stax

JULY 7, 2025

Colorado, for example, caps surcharging rates at 2% or the actual costs the business pays for processing. Integration capabilities: Consider whether the provider offers integrations with your existing business systems, such as e-commerce platforms, point-of-sale (POS) systems, or invoicing software.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

EBizCharge

MAY 5, 2025

This surcharge is calculated and applied automatically by the point-of-sale (POS) or payment software, ensuring accuracy and compliance with legal and card network regulations. This setup automatically calculates and applies a surcharge at checkout, ensuring compliance with card network rules and state legislation.

Credit Cards 52

Credit Cards Small Business Process ACH 52