Clearly Payments

NOVEMBER 18, 2024

Skills Required: Attention to detail, familiarity with card network rules, and proficiency in analyzing transaction data. Employee Training : Keep your team updated on card network rules and dispute resolution techniques. GDPR/CCPA : Protect customer data and comply with regional privacy laws.

PCI DSS 59

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

EBizCharge

JUNE 26, 2025

State-by-State Legality Some states have restrictions or bans on credit card surcharges. As of June 2025 surcharges are prohibited or restricted in the following: California Connecticut Maine Massachusetts Puerto Rico Laws are changing so be sure to verify local regulations before implementing a surcharge program.

Best Practices 52

Best Practices Credit Cards Legal Card Network Rules 52

EBizCharge

JUNE 27, 2025

Businesses should be cautious about choosing a provider and ensure that the software they use follows current state regulations and card network rules. Legal considerations From a federal standpoint, there’s no law in the U.S. that prohibits surcharging or zero-fee processing. That’s where EBizCharge comes in.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

EBizCharge

JUNE 30, 2025

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?

Credit Cards 52

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

EBizCharge

JUNE 30, 2025

And it’s not just state laws you need to worry about. Major card networks, like Visa, Mastercard, American Express, and Discover, all have their own sets of rules designed to protect consumers and ensure transparency. That means what’s perfectly legal in one state might land you in hot water in another.

Credit Cards 52

Credit Cards Small Business Process Credit Card Payment Processing 52

EBizCharge

JUNE 19, 2025

Compliance and Legality Before you roll out a surcharge program, you need to understand the rules that govern how it must be implemented. You need to check state laws and card network rules. Visa, Mastercard and other networks require merchants to register their intent to surcharge.

Credit Cards 52

Credit Cards Legal Processing Costs Card Network Rules 52

EBizCharge

JUNE 17, 2025

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? To charge a surcharge or convenience fee, you need to know both your state’s laws and the card brand regulations.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

EBizCharge

JUNE 19, 2025

Check that debit cards aren’t being surcharged and that receipts reflect the fee properly. Card network rules can be updated. Even your own credit card processing fees might shift over time. Step 7: Monitor, Maintain, and Stay Compliant Once your system is up and running, your job isn’t done.

Credit Cards 52

Credit Cards Debit Card Card Network Rules Processors 52

EBizCharge

MAY 5, 2025

This surcharge is calculated and applied automatically by the point-of-sale (POS) or payment software, ensuring accuracy and compliance with legal and card network regulations. states, there are a few states where this program is prohibited merchants must verify state laws before implementing them.

Credit Cards 52

Credit Cards Small Business Process ACH 52

Stax

JULY 7, 2025

Ensure legal compliance: Adhere to the laws and regulations of the region, and if in doubt, consult with legal experts or industry associations to verify compliance and understand any reporting or disclosure obligations. Legal and compliance factors to consider: Each of the major card networks (e.g.,

Credit Cards 88

Credit Cards Process Processors Debit Card 88

EBizCharge

JULY 1, 2025

That’s why businesses looking to pass on processing costs need a system that’s not only flexible but also helps keep them on the right side of the law. It also doesn’t ensure you’re staying compliant with card brand rules or state laws.

Process 52

Process Credit Cards Rules Laws 52

Stax

JANUARY 15, 2024

Surcharging involves understanding federal laws, state-specific restrictions, and international regulations. PCI DSS compliance, a global framework, mandates specific requirements and best practices for maintaining credit card data security. Utilizing global payment networks (Visa, Mastercard, etc.) Enter the PCI DSS compliance.

Credit Cards 88

Credit Cards PCI DSS Compliance Process 88

EBizCharge

JUNE 25, 2025

Legal and Card Network Rules Here’s where things get serious. For example, small business credit card surcharge rules in states like Connecticut and Massachusetts prohibit or heavily regulate this practice. Show the surcharge as a separate line item on receipts. The experience needs to be transparent.

Credit Cards 52

Credit Cards Small Business Process Processors 52

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. Learn how your business can capitalize on these transaction fees while staying on the right side of the law.

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

EBizCharge

JUNE 18, 2025

Surcharges are only applicable to credit cards, meaning they can’t legally be applied to debit or prepaid card transactions. Why Card Network Rules Matter Each card brand has its own set of credit card surcharge rules.

Credit Cards 52

Credit Cards Rules Visa Caps 52

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.

Card Network Rules 52

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

Stax

NOVEMBER 15, 2023

This strategy offers transparency and allows businesses to maintain their profit margins while offsetting the cost of processing card payments. It’s important to note that the legality of surcharging varies by location and is subject to regulations and card network rules.

Credit Cards 88

Credit Cards Processors Assessments Non-Bank 88

EBizCharge

JUNE 28, 2024

For example, Colorado, Connecticut, Massachusetts, and others have laws prohibiting surcharges. Determining the legality of charging credit card fees requires understanding various individual state laws , card network regulations, and the type of fee being charged. That said, not all states allow this practice.

Credit Cards 52

Credit Cards Legal Debit Card Disputes 52

Clearly Payments

FEBRUARY 8, 2024

It oversees compliance with federal banking laws, including those governing payments. Federal Trade Commission (FTC): The FTC is responsible for enforcing antitrust laws and protecting consumers from deceptive or unfair business practices, including those related to payments.

Regulations 105

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