EBizCharge

JUNE 25, 2025

Credit card surcharging lets you do just that but doing it the right way is essential. Between card network rules, signage requirements, and state regulations, there’s a lot to keep track of. Here are three important rules to be aware of: 1. You can access Mastercard’s official rules here.

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EBizCharge

JUNE 17, 2025

At EBizCharge, we help businesses implement surcharge programs that reduce costs without violating card network rules or state laws. What Is a Credit Card Surcharge? Capped at 3% or the actual cost of processing, whichever is lower. Can’t be used if the card is accepted in person (Visa rules).

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EBizCharge

JUNE 30, 2025

The goal of this structure is to allow merchants to benefit from free credit card processing for small businesses or free online credit card processing for small businesses by shifting the expense in a way that’s transparent and compliant with card brand rules. What’s the catch?

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EBizCharge

JUNE 19, 2025

The goal is simple: to help offset the credit card processing fees you’re already paying to accept those cards. But as straightforward as that sounds, adding a surcharge for credit card payments isn’t something you can do on a whim. There are card brand rules to follow, legal requirements to meet, and customers to consider.

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EBizCharge

JUNE 27, 2025

It’s worth noting that while many payment processing solutions now support no-cost credit card processing, not all do so in a compliant way. Businesses should be cautious about choosing a provider and ensure that the software they use follows current state regulations and card network rules.

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EBizCharge

JUNE 25, 2025

Also known as surcharging or zero-cost processing, this model shifts the cost of accepting credit cards away from the business and back onto the customer. What Is No-Fee Credit Card Processing? In short, no-cost credit card processing means your business doesn’t pay the processing fees—your customers do. Not always.

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Stax

SEPTEMBER 26, 2024

That said, you can’t just decide and impose credit card surcharges overnight. It requires stringent adherence to regulatory guidelines and card network rules, from surcharge caps to disclosure requirements. Credit card networks like Mastercard and Visa set a universal limit of 4% on these fees.

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EBizCharge

MAY 5, 2025

Additionally, credit card networks typically cap surcharge amounts around 3-4% of the transaction total, and merchants must notify the card brands prior to adding a surcharge. Credit card surcharging is permitted under federal law but is regulated at the state level and governed by card brand rules.

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EBizCharge

JUNE 28, 2024

Card types The type of card used in a transaction can dictate whether a surcharge is permissible. Credit card (CC) surcharges are subject to different rules than those for debit cards. Fee amount The amount that can be charged for CC fees is determined by credit card company regulations.

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Segpay

FEBRUARY 28, 2024

Try negotiating caps after volume thresholds or bundled transaction pricing. Costs for authorizations, captures, batch settlement entries, decline fees, and other lifecycle events nickel and dime merchants. Transaction fees especially erode thin-margin businesses with average tickets under $15.

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