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Credit Card Surcharges in Canada: A Legal Guide

EBizCharge

Whether you’re a local shop, a service-based business, or an eCommerce brand, the fees you pay to accept credit card payments can eat into your profits. This guide will walk you through the basics of credit card surcharging in Canada, from legal background and card network rules to disclosure requirements and best practices.

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Restaurant Credit Card Surcharges: Legalities & Best Practices

EBizCharge

Importance of Legal Counsel Because of the complex and changing legal environment restaurant owners should consult with legal or compliance experts to make sure they are in compliance. From understanding the rules to selecting the right technology partner, every step matters in ensuring a seamless rollout.

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Preparing for Surcharge Compliance: A Checklist for Businesses

EBizCharge

If your business accepts credit cards, you’ve likely wondered whether you can pass processing fees on to your customers. 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.

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Small Business Guide to Credit Card Surcharges

EBizCharge

They’re treated differently under both state laws and card network rules. Legal complexity: You have to follow state laws and card network rules to stay compliant. Not allowed on debit or prepaid cards: Even if they’re run as credit, surcharging them violates rules.

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Maximum Credit Card Surcharge Limits Explained

EBizCharge

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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Free Credit Card Processing for Small Businesses: Too Good to Be True?

EBizCharge

And while a reliable payment processing solution can help automate compliance and guide you through the setup, the responsibility ultimately falls on you to understand and uphold the rules. If you’re unsure, it’s worth consulting legal counsel or your processor to avoid costly missteps.

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Is Zero Cost Credit Card Processing Suitable for Your Small Business?

EBizCharge

To ensure youre operating within regulations, consult a trusted compliance expert or payment provider who understands the legal limitations of surcharging and cash discounting. Compliance also involves adhering to card network rules and maintaining PCI compliance to protect sensitive card information and build customer trust.