Stax

JULY 7, 2025

Legal and compliance factors to consider: Each of the major card networks (e.g., Visa, Mastercard, Discover) has its own rules and guidelines for surcharging, particularly around signage. Local laws and regulations govern surcharging in each jurisdiction. This applies only to credit cards, not debit cards or EBT payments.

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EBizCharge

MAY 5, 2025

Credit card surcharging is permitted under federal law but is regulated at the state level and governed by card brand rules. Therefore, businesses must research state laws and card network policies to ensure full compliance. Some states dont allow surcharging at all.

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EBizCharge

JULY 1, 2025

Instead of absorbing the fees themselves, the business adds a clearly stated charge to the customer’s bill when they pay with a credit card. states (though not all), and there are specific rules governing its disclosure and calculation. Are you unsure whether your fees are compliant with state laws and card network rules?

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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. This is good news because it means you won’t have to inflate your base prices to cover payment processing fees.

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Payment Savvy

JULY 12, 2024

Complexity of Implementation: Ensuring compliance with various card network rules and state laws can be complicated. Legal Considerations for Convenience Fees Before implementing convenience fees , it’s crucial to understand the legal landscape and card network rules that govern these charges.

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PYMNTS

APRIL 20, 2017

Payment card network rules generally state that cardholders are not responsible for such charges.”. percent, less than business, health care, education and the government and military. If there are unauthorized charges, individuals should immediately notify their bank. up 40 percent from 2015.

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Stax

JANUARY 15, 2024

Let’s now proceed to the final compliance that requires your attention: the card networks you engage with. Navigating Card Network Rules Credit card brands and financial institutions enforce PCI DSS compliance. They have unique rules, validation criteria, and compliance expectations you must adhere to.

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Credit Cards PCI DSS Compliance Process 88

EBizCharge

JUNE 28, 2024

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. Adherence to guidelines set by credit card companies.

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Clearly Payments

FEBRUARY 8, 2024

It oversees compliance with federal banking laws, including those governing payments. Regulation CC (Availability of Funds and Collection of Checks): Issued by the Federal Reserve Board, Regulation CC governs the availability of funds deposited by check and the collection and return of checks.

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

Segpay

FEBRUARY 28, 2024

Adopting these habits requires initial effort but saves exponentially more over time. Think carefully before outsourcing key payment functions that impact top and bottom-line results.

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