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.

Credit Cards 52

Credit Cards Rules Visa Caps 52

Stax

JULY 30, 2024

Credit cards are incredibly convenient as a payment method. Unfortunately for them though, credit card payments come with a cost. billion in fees for accepting Mastercard and Visa credit cards in 2023. This was, in fact, the first time that swipe fees for these two card networks crossed $100 billion.

Credit Cards 166

Credit Cards Laws Rules Debit Card 166

EBizCharge

JUNE 27, 2025

Credit card processing fees have become a growing concern for many businesses, especially as margins tighten and consumer preferences lean heavily toward card payments. To offset these costs, more businesses are exploring zero-cost credit card processing—a model that shifts the burden of fees from the business to the customer.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

EBizCharge

JUNE 30, 2025

Whether you’re running a local bakery, an online retail store, or a mobile service, credit card fees can quietly eat away at your profits. That’s why the promise of free credit card processing for small businesses sounds so appealing. Who wouldn’t want to accept card payments without paying a dime? to the bill.

Credit Cards 52

Credit Cards Small Business Process Credit Card Payment Processing 52

EBizCharge

JUNE 25, 2025

If you’re running a small business, you know the drill: every card swipe chips away at your bottom line. Those credit card processing fees—often 2% to 4% per transaction—may not sound like much at first, but over time, they add up. That’s why more and more business owners are asking about no-cost credit card processing.

Credit Cards 52

Credit Cards Small Business Process Processors 52

EBizCharge

MAY 5, 2025

As businesses navigate credit card processing fees, zero cost credit card processing has emerged as a valuable alternative. To understand if zero cost credit card processing is suitable for your business, its essential to know how these fees work and the available alternatives.

Credit Cards 52

Credit Cards Small Business Process ACH 52

EBizCharge

JUNE 19, 2025

Surcharging is when a business adds a small fee to a customer’s total when they choose to pay with a credit card. It’s usually meant to cover the cost of credit card processing – the fees that businesses pay every time someone swipes, dips, or taps their card. You’d end up paying $51.50

Debit Card 52

Debit Card Legal Card Network Rules Credit Cards 52

EBizCharge

JUNE 25, 2025

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.

Compliance 52

Compliance Credit Cards Card Network Rules Rules 52

Stax

SEPTEMBER 26, 2024

Credit card surcharges are increasingly becoming a fact of life. Industry data shows that 9 out of 10 credit card users say they don’t want to pay surcharges but do it anyway. That said, you can’t just decide and impose credit card surcharges overnight. Learn More What is a Credit Card Surcharge?

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

Stax

NOVEMBER 15, 2023

TL;DR Credit card interchange fees are the fees that merchants pay to banks and credit card companies every time they accept credit cards. These fees help cover the costs of processing the payment and maintaining the card network. Learn More What are credit card interchange fees?

Credit Cards 88

Credit Cards Processors Assessments Non-Bank 88

Clearly Payments

NOVEMBER 18, 2024

Here are some other articles on chargeback management: How to Build a Chargeback Payments Team in your Company How to Win Chargeback Disputes What is a Good Credit Card Chargeback Rate for Merchants? Skills Required: Attention to detail, familiarity with card network rules, and proficiency in analyzing transaction data.

PCI DSS 59

PCI DSS Address Verification System (AVS) Disputes Card Network Rules 59

EBizCharge

JUNE 30, 2025

If you’re planning to pass along credit card processing fees to your customers, there’s more to it than just flipping a switch. A surcharge is a fee that a business adds to a transaction to help cover the cost of credit card processing fees. This is part of what’s often called credit card surcharging.

Credit Cards 52

Credit Cards Laws Rules Point-of-Sale (POS) 52

EBizCharge

JUNE 19, 2025

Credit card processing fees have been increasing over the years and eating into the profit margins of small and mid-sized businesses. To combat these costs, many merchants are turning to two different strategies: credit card surcharges and cash discount programs. What is a Credit Card Surcharge?

Credit Cards 52

Credit Cards Legal Processing Costs Card Network Rules 52

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. TL;DR Credit card surcharging involves adding a fee to transactions with credit card payments, offsetting processing costs.

Credit Cards 88

Credit Cards PCI DSS Compliance Process 88

EBizCharge

JUNE 17, 2025

Two popular options—credit card surcharges and convenience fees —can help recover some of these costs. 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?

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

EBizCharge

JULY 1, 2025

If you’re a business owner thinking about passing credit card processing fees onto your customers, you’re not alone. With the steady rise in interchange rates and card fees, more and more merchants are asking the same question: Should I be covering these costs, or is it time to share them with my customers?

Process 52

Process Credit Cards Rules Laws 52

EBizCharge

JUNE 28, 2024

When it comes to accepting payments, businesses often grapple with the costs of credit card processing fees. The question “Is it legal to charge a credit card fee?” Card types The type of card used in a transaction can dictate whether a surcharge is permissible. That said, not all states allow this practice.

Credit Cards 52

Credit Cards Legal Debit Card Disputes 52

Clearly Payments

SEPTEMBER 18, 2024

If your business accepts credit cards, chargebacks are a part of doing business. A chargeback is a reversal of a credit card transaction initiated by the cardholder’s bank, usually as a result of a dispute by the customer over the purchase. The credit card networks typically require this ratio to be under 1%.

Disputes 105

Disputes Fraud Prevention Payments Credit Cards 105

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. A convenience fee is applied for using a non-standard payment method, while a surcharge is an additional fee added specifically for credit card transactions.

Card Network Rules 52

Card Network Rules Non-Bank Alternative Payment Methods Credit Cards 52

Payments Source

JULY 8, 2020

The role of EMVCo — which is often seen as an extension of the card brands that deals only with chip-based EMV plastic cards— has come into sharper focus.

EMV 168

EMV CHIPS Card Network Rules Debit Card 168

Payment Savvy

JULY 3, 2024

Unlike credit card processing fees , which can be higher due to the risk of credit, debit card fees are generally lower because the funds are directly debited from the customer’s bank account, reducing the risk of non-payment. Signature debit transactions occur when a customer signs to authorize the payment.

Debit Card 52

Debit Card Process Debit Transaction Processors 52

Payments Source

MARCH 12, 2019

To successfully create new payment forms and uses, it’s critical to have a highly functioning team developing and promoting their ideas — something Colleen Taylor has fully embraced at Mastercard.

Visa 113

Visa Card Network Rules Payments Credit Cards 113

Payments Source

DECEMBER 14, 2017

As Mastercard, Discover and American Express all plan to drop signature authentication at the point of sale, Visa is largely mum on the topic. But does it really need to weigh in?

Authentication 75

Authentication Visa Card Network Rules Debit Card 75

Payments Source

NOVEMBER 8, 2019

Two Mastercard issuers have enabled Mastercard’s True Name feature for customers who opt to use their preferred name on credit, debit and prepaid cards instead of their legal name, to support gender inclusion.

Issuers 67

Issuers Visa Legal Card Network Rules 67

Payments Source

JULY 24, 2018

Under its new chargeback rules, Visa retired one of the chargeback codes that merchants almost always lost — "transaction not recognized," formerly listed as Chargeback Reason Code 75.

Rules 64

Rules Transactions Card Network Rules Credit Cards 64

Payments Source

OCTOBER 18, 2018

American Express Co.’s s quest to be accepted everywhere from the corner bodega to the nail salon down the street is paying off.

Card Network Rules 63

Card Network Rules Credit Cards Rules 63

Payments Source

JANUARY 18, 2019

Even though American Express received pre-approval to provide transaction settlement services in China more than a year ago, it is playing the waiting game to get those wheels in motion amid a fiery political climate.

Settlement 62

Settlement Transactions Card Network Rules Credit Cards 62

Clearly Payments

FEBRUARY 8, 2024

Payment Card Network Rules: Visa, Mastercard, and other credit card networks have their own sets of rules and standards governing the operation of their networks. The post An Overview of Payment Regulation In The USA appeared first on Credit Card Processing and Merchant Account.

Regulations 105

Regulations Electronic Fund Transfer Act (EFTA) Federal Reserve Electronic Funds Transfer (EFT) 105

Segpay

FEBRUARY 28, 2024

However, smaller banks and credit cards avoid coverage.

Processors 52

Processors IRS Push-to-Card Non-Bank 52