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Debit Card Surcharging: Is It Legal?

EBizCharge

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?

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Credit Card Surcharge Rules by Network: Visa, Mastercard, and More

EBizCharge

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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How to Add a Credit Card Surcharge: A Step-by-Step Guide

EBizCharge

The goal is simple: to help offset the credit card processing fees you’re already paying to accept those cards. But as straightforward as that sounds, adding a surcharge for credit card payments isn’t something you can do on a whim. There are card brand rules to follow, legal requirements to meet, and customers to consider.

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The Price of Convenience: Is There Such a Thing as Free Credit Card Processing?

Stax

You Can’t Opt Out of Credit Card Payments Opting out of credit card processing altogether is not a viable option. Competitive pricing: Surcharging lets business owners offer competitive pricing to customers who choose to pay with alternative methods, such as cash or debit card transactions.

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Small Business Guide to Credit Card Surcharges

EBizCharge

They’re treated differently under both state laws and card network rules. In a few states, laws are in flux or under legal challenge, making the rules a bit harder to pin down. Before applying a small business credit card surcharge, it’s essential to do your homework. Mixing up the two could get you into trouble.

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Surcharge Signage & Notices: What You Must Display

EBizCharge

This guide walks you through what’s required to stay on the right side of both the law and card brand rules. 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. What is a surcharge?

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Writing the Perfect Credit Card Surcharge Notice

EBizCharge

Card network violations. Visa and Mastercard have surcharge rules. Customers who feel blindsided will contest the charge with their card issuer. What to Include in a Credit Card Surcharge Notice When it comes to credit card surcharges, how you communicate the fee matters just as much as the fee itself.