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. Others allow it but require specific steps like formal notification, prescribed signage, or capped surcharge amounts.

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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.

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EBizCharge

JUNE 24, 2025

Understanding those differences can help you avoid compliance headaches, improve the customer experience, and recover more of what you’re losing to payment processing costs. 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.

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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. Not knowing the rules can result in fines, lawsuits, or worse. Some states don’t allow them at all.

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Credit Cards Legal Card Network Rules Rules 52

EBizCharge

JUNE 25, 2025

Between card network rules, signage requirements, and state regulations, there’s a lot to keep track of. This article walks you through what credit card surcharge compliance really means and provides a practical checklist to help your business stay on the right side of the rules. Here are three important rules to be aware of: 1.

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Compliance Credit Cards Card Network Rules Rules 52

EBizCharge

JUNE 19, 2025

If you’re a business owner looking for ways to cut down on credit card processing costs, adding a surcharge might be one option worth considering. The goal is simple: to help offset the credit card processing fees you’re already paying to accept those cards. Make sure you check your state’s rules before proceeding.

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EBizCharge

JUNE 23, 2025

The goal is to cover the processing fees that come with accepting those payments. Card networks typically cap it at 4%, and you can’t apply it to debit or cash payments. Handled properly, surcharging can be a smart, compliant way to manage processing costs. It’s just a flat rule you apply manually.

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Stax

DECEMBER 20, 2023

This article explores the legal landscape surrounding surcharges, shedding light on the intricacies of state and federal laws and strategies for small businesses to manage processing costs. Businesses can encourage cash transactions or use credit card surcharging as an additional fee to offset payment processing costs.

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Stax

SEPTEMBER 26, 2024

This is good news because it means you won’t have to inflate your base prices to cover payment processing fees. It requires stringent adherence to regulatory guidelines and card network rules, from surcharge caps to disclosure requirements. Some states cap the surcharge rate to a set rate or dollar amount.

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Stax

JANUARY 24, 2024

However, the idea of applying a credit card surcharge to offset the processing cost of credit cards has always been a hotly debated topic. Simply put, a surcharge amount is an extra fee that some merchants choose to levy on customers to cover the costs of processing credit card payments.

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Credit Cards Laws Caps Legal 88

Stax

JANUARY 24, 2024

However, the idea of applying a credit card surcharge to offset the processing cost of credit cards has always been a hotly debated topic. Simply put, a surcharge amount is an extra fee that some merchants choose to levy on customers to cover the costs of processing credit card payments.

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Credit Cards Laws Caps Legal 88

Stax

FEBRUARY 28, 2024

Customers who want to use their credit card have to pay an additional fee covering the processing costs. For anyone new to the term, surcharging is a payment processing option allowing merchants to pass on credit card fees. Customers who want to use their credit card have to pay an additional fee covering the processing costs.

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Credit Cards Debit Card Legal Laws 88

Stax

DECEMBER 13, 2023

TL;DR Credit card processing fees can add up quickly and eat into a business’s bottom line. Fortunately, in states where surcharging is legal, you can recoup these processing costs by transferring them to the cardholder. So make sure to follow all rules related to the placement, content, design, and compliance of your signage.

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Credit Cards Debit Card Laws Rules 88

Stax

DECEMBER 6, 2023

This additional fee is intended to cover the costs associated with processing credit card payments. 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. There may also be caps or regulations on these fees depending on local laws.

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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. This incentivizes businesses to promote ACH payments as a cost-saving option for them and their customers. Is zero cost credit card processing actually free?

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Stax

NOVEMBER 8, 2023

Your business still has to incur all processing costs when a customer pays by debit card. The latter is simply another solution that some merchants use to lower their card processing costs. In this method, a certain discount (equivalent to the cost of card processing) is applied at checkout if a customer pays by cash.

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Process Credit Cards Debit Card Processors 88

EBizCharge

JULY 25, 2024

These fees are intended to cover the cost associated with credit card processing fees, which merchants pay to credit card companies such as Visa, MasterCard, or American Express for each transaction. Traditionally, businesses absorb credit card processing costs, but with surcharging, they pass the fees directly to consumers.

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Stax

APRIL 4, 2024

The surcharge fee is paid by the customer and helps offset the processing cost for that particular transaction. Surcharging is governed by certain rules and regulations. The surcharge fee is paid by the customer and helps offset the processing cost for that particular transaction. Only after the judgment by a U.S.

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EBizCharge

JUNE 28, 2024

Credit card (CC) surcharges are subject to different rules than those for debit cards. Credit card networks impose a cap on surcharges, typically restricting them to no more than the merchant’s cost to process credit card transactions or up to 3%, whichever is lower. Adherence to guidelines set by credit card companies.

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Nanonets

NOVEMBER 23, 2024

While its free mobile app and API integration make it flexible for many users, its limitations, such as a 15-page processing cap and strict API rate limits, can hinder large scale document processing.  Fast processing: Reduces time per page from minutes to seconds. Cost savings: Cuts 30%+ on manual processing costs.

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Multi-Currency API Automation Online and Mobile Banking 52

Nanonets

FEBRUARY 21, 2024

Dramatic Cost Reductions in Processing Let's start with the financial health of your department.    AP Automation has been shown to slash processing costs by a staggering 70%.  This Change case Change text to uppercase/lowercase or all caps. Add  Rules  to flag the files. Example:

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Segpay

FEBRUARY 28, 2024

Key Takeaways √ Hidden charges in payment processing can dig into and erode your bottom line. Merchants can implement several best practices to avoid surprise processing costs. 5 minute read Hidden charges in payment processing can seriously impact any merchant’s bottom-line revenues.

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