EBizCharge

JUNE 19, 2025

If you’ve ever wondered whether it’s legal to add a surcharge when someone pays with a debit card, you’re not alone. No, debit card surcharging isn’t legal in the U.S. The rules behind it come from a mix of card network policies, federal law, and state regulations. Can you surcharge a debit card?

Debit Card

Stax

JULY 7, 2025

“Free credit card processing” sounds too good to be true—and in some ways, it is. Credit card networks and issuing banks don’t waive their cut; instead, these costs are shifted from the merchant to the customer. The “free” in free processing refers to the merchant not directly covering the transaction fees.

Credit Cards

Payment Savvy

JULY 3, 2024

Understanding debit card processing fees is important for any business that takes card payments. What Are Debit Card Processing Fees? Debit card processing fees are charges that businesses must pay every time they accept a debit card payment.

Debit Card

Stax

SEPTEMBER 26, 2024

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. Meanwhile, service fees apply to debit and credit card purchases but are waived if customers pay in cash.

Credit Cards

Payment Savvy

JULY 12, 2024

A convenience fee is an additional charge added to a customer’s bill when they use a non-standard payment method. 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

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

Stax

JANUARY 15, 2024

Interchange fees are fees your bank (acquirer) pays to the cardholder’s bank (issuer) in a credit card transaction. Have your legal experts review any changes affecting specific operations in each state to avoid non-compliance. Do they favor credit over debit cards? Interchange fee management.

Credit Cards