EBizCharge

JUNE 18, 2025

If you’re thinking about passing your credit card processing costs onto customers, it’s important to understand how the major card networks—like Visa, Mastercard, Amex, and Discover—handle surcharges. While it might sound simple, credit card surcharge rules can vary depending on who issued the card.

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EBizCharge

JUNE 30, 2025

states have outright bans or restrictions on credit card surcharging. Varying compliance standards: Even in states where surcharging is allowed, rules can differ. Surcharge signage isn’t just about checking a compliance box—they’re about being upfront, clear, and respectful to the people who support your business.

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EBizCharge

JUNE 27, 2025

The customer pays the full transaction amount, including the fee, and the business receives the base sale amount, effectively eliminating payment processing costs from their side. 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.

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EBizCharge

JUNE 17, 2025

As payment processing costs continue to rise, many businesses are looking for ways to offset these fees. Two popular options—credit card surcharges and convenience fees —can help recover some of these costs. But understanding the key differences and legal requirements for each is crucial for compliance and customer trust.

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EBizCharge

JUNE 19, 2025

Compliance and Legality Before you roll out a surcharge program, you need to understand the rules that govern how it must be implemented. You need to check state laws and card network rules. Visa, Mastercard and other networks require merchants to register their intent to surcharge.

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EBizCharge

JUNE 24, 2025

They’re treated differently under both state laws and card network rules. You should also check in with your payment processor, as many keep updated state-by-state compliance maps and can help you navigate the finer points of local laws. Also, many business owners ask: “Is a credit card surcharge taxable?”

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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. And the card networks like Visa and Mastercard have their own rulebooks.

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EBizCharge

MAY 5, 2025

Additional charges can result from various circumstances, such as chargeback fees, Payment Card Industry (PCI) non-compliance fees , monthly minimum fees, and gateway fees. In a surcharge setup, the business adds a fee to the customers total only when a credit card is used, making the cost of card acceptance visible at checkout.

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EBizCharge

JULY 1, 2025

Visa and Mastercard have their own rules, and so do various states. That’s why businesses looking to pass on processing costs need a system that’s not only flexible but also helps keep them on the right side of the law. Are you unsure whether your fees are compliant with state laws and card network rules?

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Stax

JANUARY 15, 2024

Are you struggling with resource constraints caused by soaring credit card processing costs? Credit card surcharging can help offset these expenses, but it can be tricky. Learn how to achieve payment processing compliance when surcharging to improve your company’s financial stability and reputation.

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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. 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.

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Payment Savvy

JULY 12, 2024

For example, you could add a convenience fee if your standard payment method is cash or check, but a customer wants to pay over the phone or online with a credit card. This fee compensates for these alternative methods’ higher processing costs and potential risks.

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Stax

NOVEMBER 15, 2023

They significantly impact the cost of accepting card payments. Understanding interchange fees enables merchants to effectively manage processing costs, negotiate better rates, make informed decisions about card acceptance, and ensure compliance with payment industry standards.

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Payment Savvy

JULY 3, 2024

Other Fees In addition to the main types mentioned above, businesses may encounter other fees such as monthly service fees, PCI compliance fees (for maintaining data security standards), chargeback fees (for disputed transactions), and terminal rental fees (if applicable). How Can I Lower My Debit Card Processing Fees?

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EBizCharge

JUNE 28, 2024

Consequently, merchants cannot profit from these fees; their purpose is solely to cover processing costs. It’s imperative for merchants to calculate these fees accurately and ensure that any surcharge reflects the true cost of processing to remain compliant with card network rules and avoid the appearance of price inflation.

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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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