EBizCharge

JUNE 24, 2025

They’re treated differently under both state laws and card network rules. Others allow it but require specific steps like formal notification, prescribed signage, or capped surcharge amounts. In a few states, laws are in flux or under legal challenge, making the rules a bit harder to pin down.

Credit Cards 52

Credit Cards Small Business Card Network Rules Rules 52

EBizCharge

JUNE 17, 2025

At EBizCharge, we help businesses implement surcharge programs that reduce costs without violating card network rules or state laws. 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). Debit card surcharges are prohibited by card brand rules.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

EBizCharge

JULY 7, 2025

After adding a surcharge many business owners forget how it’s treated in terms of tax laws. Not understanding those rules can lead to compliance issues and overall confusion. State rules vary. State-Level Tax Variations and Compliance Tips Not every state has the same rules for credit card surcharges. Post clear notices.

Credit Cards 52

Credit Cards Laws Rules Legal 52

EBizCharge

JUNE 26, 2025

Federal Overview Surcharging is legal at the federal level in the United States but businesses must follow rules set by credit card networks like Visa and Mastercard. Requirements for Compliance While Surcharging To legally add a surcharge restaurants must follow the rules set forth by the credit card networks and local regulations.

Best Practices 52

Best Practices Credit Cards Legal Card Network Rules 52

EBizCharge

JUNE 27, 2025

Businesses should be cautious about choosing a provider and ensure that the software they use follows current state regulations and card network rules. Legal considerations From a federal standpoint, there’s no law in the U.S. Most card networks cap the surcharge at your actual cost of credit card processing, usually no more than 3%.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

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. And it’s not just state laws you need to worry about. What’s the catch?

Small Business 52

Small Business Credit Cards Process Credit Card Payment Processing 52

EBizCharge

JUNE 19, 2025

There are card brand rules to follow, legal requirements to meet, and customers to consider. Make sure you check your state’s rules before proceeding. Most card networks cap the credit card surcharge fee at 3%, or the actual cost of payment processing—whichever is lower. Card network rules can be updated.

Credit Cards 52

Credit Cards Debit Card Card Network Rules Processors 52

The Payments Association

JULY 15, 2025

Fraud prevention strategies & technology readiness APP rules implementation strategies Bank limits emerged as the dominant approach to implementing authorised push payment (APP) fraud rules, with three in five organisations (60%) adopting this measure. Biggest perceived AI-driven fraud threats II.

Financial Crimes 88

Financial Crimes Crime Fraud Prevention Deepfake 88

EBizCharge

JUNE 25, 2025

In this guide, we’ll break down what free credit card processing for small businesses really means, how it works, the rules you need to follow, and how to find a trustworthy payment processor if you’re considering this route. Legal and Card Network Rules Here’s where things get serious. But is it a good fit for everyone? Not always.

Credit Cards 52

Credit Cards Small Business Process Processors 52

Stax

JULY 7, 2025

Ensure legal compliance: Adhere to the laws and regulations of the region, and if in doubt, consult with legal experts or industry associations to verify compliance and understand any reporting or disclosure obligations. Visa, Mastercard, Discover) has its own rules and guidelines for surcharging, particularly around signage.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

EBizCharge

JUNE 24, 2025

However, because adding a surcharge for credit card payments is regulated by card networks and by local laws, it’s essential to know the rules. You’ll also need to consider where and how to display customer-facing signage to comply with card brand rules. Stay within limits. Be transparent.

Credit Cards 52

Credit Cards Payments Debit Card Processors 52

EBizCharge

JULY 3, 2025

There are rules to follow. The major card networks—like Visa and Mastercard—have their own guidelines, such as requiring upfront customer notifications and limiting the surcharge amount (usually capped at 3%). Before surcharging, ensure your approach complies with local laws and the rules of the card networks like Visa and Mastercard.

Credit Cards 52

Credit Cards Processing Costs Caps Legal 52

EBizCharge

JUNE 23, 2025

Card networks typically cap it at 4%, and you can’t apply it to debit or cash payments. It’s just a flat rule you apply manually. It won’t warn you if you exceed the card brand’s 4% cap either. To truly break even, you’d have to slightly overcharge (which violates the “no profit” rule on surcharges). Compliance is on you.

Credit Cards 52

Credit Cards Debit Card ACH B2B 52

EBizCharge

MAY 5, 2025

states, there are a few states where this program is prohibited merchants must verify state laws before implementing them. 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 Cards 52

Credit Cards Small Business Process ACH 52

The Payments Association

JULY 18, 2025

In the UK, the implementation of landmark fraud prevention laws and the expansion of the cryptoasset regulatory perimeter mark a decisive shift towards greater accountability. Separately, the introduction of rules under the UK Stablecoin and Cryptoasset Regime aims to enhance transparency.

Regulations 88

Regulations Payment APIs and Integration Payments Legal 88

Clearly Payments

MAY 22, 2025

Volume Cap A limit on how much a merchant can process per month. law that caps debit card interchange fees for large banks and encourages routing choice for merchants. IRS 6050W A tax rule that requires payment processors to report merchant transaction volume to the IRS using Form 1099-K. FedNow A new U.S.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

Payments Dive

JULY 7, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Louisiana, Connecticut advance EWA bills While Louisiana enacted a new earned wage access law this month, the controversy over state legislation rages on in Connecticut.

Laws 78

Laws FedNow Privacy Federal Reserve 78

Payments Dive

JULY 14, 2025

Deep Dive Opinion Library Events Press Releases Topics Sign up Search Sign up Search Retail Banking Restaurants Regulations & Policy Risk Technology B2B An article from Connecticut enacts controversial EWA law The state’s governor signed a measure last week that some earned wage access providers opposed.

Laws 78

Laws Caps Privacy Settlement 78

Finextra

JULY 7, 2025

Tokenised stocks are not a magical new type of equity that bypasses all the rules of finance. Buying a stock in token form doesn’t mean securities laws vanish. Regulators around the world are actively scrutinizing how tokenised stocks fit into laws – investor protections, market integrity, etc. What Tokenised Stocks Are Not?

Blockchain 59

Blockchain Payment APIs and Integration Regulations Security 59

Stax

JULY 30, 2024

However, before you start surcharging customers, you need to be aware of all the rules surrounding it. Apart from card networks setting their own rules and guidelines, states also have certain rules that merchants must abide by. Illinois – Surcharge rates are capped at 1% or the total processing fee—whichever is lower.

Credit Cards 166

Credit Cards Laws Rules Debit Card 166

Stax

AUGUST 1, 2024

However, card brand rules and state and federal laws have been established to prevent merchants from abusing this privilege. In this article, we’ll explore Visa’s rules around credit card surcharging and what merchants need to know about them. Per the latest reports, Visa wants to enforce its surcharging rules more seriously.

Rules 88

Rules Credit Cards Caps Processors 88

PYMNTS

MAY 10, 2020

According to the law, digital securities “presumptively not an investment contract” would not be subjected to the sometimes contradictory rules between organizations. The law is an amendment to a bill filed by Majority Leader Ian Calderon. It would mean assets that have value not contingent on others’ managerial efforts.

Bitcoin 67

Bitcoin Caps Security Cryptocurrency 67

PYMNTS

FEBRUARY 17, 2019

Uber , the ride-hailing startup, filed a lawsuit against the city of New York last week seeking to overturn a rule that puts a cap on the number of drivers that work for ride-hailing companies that can operate in the city. Uber wants the law thrown out, fearing the city could make it a permanent cap.

Caps 46

Caps Laws Underserved On-Demand 46

PYMNTS

DECEMBER 20, 2020

One reason Jiwei gave for the possible rule is that it would help avoid the amassing of too much bad debt by one entity. A cap also would support competition, he said, according to Reuters. "We The suggestion was made by Lou Jiwei, the country's former finance minister and now an advisor to the government, Reuters reported.

FinTech 102

FinTech Governance Government Caps 102

PYMNTS

OCTOBER 14, 2019

The suit asks that the city’s Taxi and Limousine Commission’s (TLC) cruising rule be invalidated. The law imposes a 31 percent cap on cruising time for most vehicles before 11 p.m. Lyft says the mandate is based on old, inaccurate TLC data and doesn’t hold taxis to any caps. .

Caps 43

Caps Laws Rules Addressing 43

The Payments Association

OCTOBER 21, 2024

The rule changes provide stronger consumer protection but also raise concerns about industry costs and potential fraud exploitation. Collaboration between regulators, law enforcement, and the counter-fraud community is needed to ensure the effectiveness of the reimbursement scheme and to mitigate emerging fraud risks.

Scams 88

Scams Law Enforcement Crime Fraud Prevention 88

PYMNTS

DECEMBER 4, 2018

The company was accused of setting rules that blocked banks in one EU country from offering lower interchange fees to a retailer in another EU country. Mastercard actually stopped the practice in December of 2015 after the European Commission (EC) adopted charge-capping rules.

Visa 53

Visa Laws Caps Debit Card 53

Stax

SEPTEMBER 26, 2024

It requires stringent adherence to regulatory guidelines and card network rules, from surcharge caps to disclosure requirements. Learn how your business can capitalize on these transaction fees while staying on the right side of the law. Some states cap the surcharge rate to a set rate or dollar amount.

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

PYMNTS

MAY 13, 2019

The proposed credit card interest rate cap legislation , courtesy of Democratic presidential hopeful Senator Bernie Sanders and Rep. Alexandria Ocasio-Cortez is in serious need of an almost half-century-old refresher course in the unintended consequences of price caps on the American consumer. Here’s why. A 46-Year-Old History Lesson.

Consumer 78

Consumer Caps Credit Cards Push-to-Card 78

Stax

FEBRUARY 28, 2024

Surcharge rules do differ from state to state. There are federal laws and state laws that need to be followed to implement surcharging legally. However, debit card processing fees are capped, and the interchange rates are less than credit card processing rates. Also, be sure to check your local rules and follow them.

Credit Cards 88

Credit Cards Debit Card Legal Laws 88

Stax

JANUARY 24, 2024

It is added at the point of sale and depends on the total amount of a transaction and the cap set by credit card companies. Once you have ensured that surcharges are permissible by law in your state, you must meet card brand guidelines for compliance. The state law, however, determines the final percentage.

Credit Cards 88

Credit Cards Laws Caps Legal 88

Stax

JANUARY 24, 2024

It is added at the point of sale and depends on the total amount of a transaction and the cap set by credit card companies. Once you have ensured that surcharges are permissible by law in your state, you must meet card brand guidelines for compliance. The state law, however, determines the final percentage.

Credit Cards 88

Credit Cards Laws Caps Legal 88

Stax

DECEMBER 13, 2023

However, you must keep in mind several federal and state laws as well as credit card network guidelines (e.g. So make sure to follow all rules related to the placement, content, design, and compliance of your signage. Surcharging rules Surcharge laws and guidelines can vary from state to state.

Credit Cards 88

Credit Cards Debit Card Laws Rules 88

PYMNTS

JANUARY 9, 2019

8 to dismiss a challenge to such charges, seemingly capping a battle stretching back years. The requests from those parties to dismiss the case came after an appellate court in the state ruled that merchants have the right to levy the charges, and the tally of states with such bans in place has now dropped to six.

Credit Cards 80

Credit Cards Rules Caps Laws 80

Stax

DECEMBER 6, 2023

Businesses that choose to add surcharges can either charge a fixed flat fee or a percentage of the transaction amount with a cap on the total. Businesses that choose to add surcharges can either charge a fixed flat fee or a percentage of the transaction amount with a cap o n the total. Get in touch now!

Consumer 88

Consumer Credit Cards Alternative Payment Methods Debit Card 88

PYMNTS

DECEMBER 3, 2020

Throw in the Brexit controversy as well as the speed and scale of the digital world and government entities felt like they had a weak set of laws to address the current state. The DSA can deliver real value to Europeans by harmonizing rules to help create a single set of rules for the entire EU Single Market,” it said.

Regulations 81

Regulations Rules Laws Cross-Border 81

PYMNTS

MARCH 4, 2020

Bank had in place erroneously capped the number of alerts, which hindered law enforcement’s ability to spot suspicious activity. LaFontaine was warned by his subordinates and by regulators that capping the number of alerts was dangerous and ill-advised. The capped alerts were in place for at least five years.

AML 52

AML Suspicious Activity Report (SAR) Fincen BSA 52