Fi911

JULY 11, 2025

Templates incorporate best practices and winning arguments, updated based on card network rule changes and success rates. Regular Updates Updates keep automation effective as card networks modify rules and reason codes.

Best Practices 64

Best Practices Automation Disputes Volume 64

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. Monitor KPIs : Track metrics such as chargeback ratio, win rate, and resolution time.

PCI DSS 59

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

EBizCharge

JUNE 24, 2025

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.

Credit Cards 52

Credit Cards Small Business Card Network Rules Rules 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

The goal of this structure is to allow merchants to benefit from free credit card processing for small businesses or free online credit card processing for small businesses by shifting the expense in a way that’s transparent and compliant with card brand rules. What’s the catch?

Credit Cards 52

Credit Cards Small Business Process Credit Card Payment Processing 52

EBizCharge

JUNE 23, 2025

One option on the table is adding a credit card surcharge—a small extra fee to help cover your costs. But here’s the catch: surcharge rules are a patchwork of federal guidelines, state laws, and card network rules. And the card networks like Visa and Mastercard have their own rulebooks.

Credit Cards 52

Credit Cards Legal Card Network Rules Point-of-Sale (POS) 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? Visa and Mastercard require merchants to register before applying surcharges and follow strict notification and receipt disclosure rules.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

EBizCharge

JUNE 27, 2025

It’s worth noting that while many payment processing solutions now support no-cost credit card processing, not all do so in a compliant way. Businesses should be cautious about choosing a provider and ensure that the software they use follows current state regulations and card network rules.

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

The Payments Association

FEBRUARY 3, 2025

is committed to ensuring its platform complies with the latest payment industry regulations and card network rules. Ensuring compliance with industry regulations : As a member of The Payments Association, avoided.io helps businesses navigate this complex landscape with ease.

Fraud Prevention 100

Fraud Prevention Disputes Fraud Detection Card Network Rules 100

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

Stax

JULY 7, 2025

Look for the lowest fee credit card processors that offer regionally compliant solutions, PCI compliance, and a strong surcharging reputation. 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.

Credit Cards 88

Credit Cards Process Processors Debit Card 88

EBizCharge

JUNE 25, 2025

Also known as surcharging or zero-cost processing, this model shifts the cost of accepting credit cards away from the business and back onto the customer. What Is No-Fee Credit Card Processing? In short, no-cost credit card processing means your business doesn’t pay the processing fees—your customers do. Not always.

Credit Cards 52

Credit Cards Small Business Process Processors 52

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. Visa and Mastercard have their own rules, and so do various states.

Process 52

Process Credit Cards Rules Laws 52

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.

Credit Cards 52

Credit Cards Small Business Process ACH 52

Payments Source

AUGUST 28, 2017

A situation brewing in movie theaters that hinges on card network rules could have broad implications for the entertainment industry.

Card Network Rules 73

Card Network Rules Rules Debit Card Mobile Payments 73

Stax

JULY 30, 2024

Thankfully, implementing a credit card surcharge program can be particularly beneficial for small businesses to offset the cost of accepting credit card payments. However, before you start surcharging customers, you need to be aware of all the rules surrounding it. The surcharge rate cannot exceed credit card processing fees.

Credit Cards 166

Credit Cards Laws Rules Debit Card 166

Payments Source

JANUARY 22, 2019

The European Commission has fined Mastercard 570 million Euros, or about $648 million, over card network rules that prevented merchants from shopping for better terms at other banks in the EU.

Visa 63

Visa Card Network Rules Rules Compliance 63

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

JUNE 17, 2019

Payments Canada is proposing to allow delayed transaction authorization to enable debit cards to be used in open-loop transit — and the change could affect far more than commuters.

Debit Card 92

Debit Card Rules Authorization Transactions 92

PYMNTS

OCTOBER 11, 2016

This is set to grow further as, in line with card network rules, no terminals without contactless technology can be sold or installed in Europe after 2018. is one of Europe’s most advanced markets for contactless payments with approximately 500,000 terminals currently active.

Accounts 73

Accounts Contactless Payments Card Network Rules Rules 73

Clearly Payments

SEPTEMBER 18, 2024

Collaboration with the Analyst: Advises on handling complex chargeback cases and navigating card network rules. Ongoing Training and Development Chargeback rules and regulations from card networks like Visa and Mastercard are constantly evolving, and it’s critical that your team stays up to date.

Disputes 105

Disputes Fraud Prevention Payments Credit Cards 105

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. The overarching rule is that it must not exceed the fees charged by credit card companies.

Credit Cards 88

Credit Cards Caps Best Practices Laws 88

PYMNTS

DECEMBER 29, 2016

In the meantime, and in line with best practice, we recommend that individuals closely monitor their payment card account statements. Payment card network rules generally state that cardholders are not responsible for such charges.”. If there are unauthorized charges, individuals should immediately notify their bank.

Breach 54

Breach Card Network Rules Best Practices Fraud Prevention 54

Payments Source

APRIL 6, 2018

MoviePass has purchased Moviefone, the movie listing and information service, in a deal that gives momentum to a business that owes its success to honor-all-cards rules.

Debit Card 70

Debit Card Rules Card Network Rules 70

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

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

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.

Credit Cards 88

Credit Cards PCI DSS Compliance Process 88

Payments Source

SEPTEMBER 3, 2020

election could move the cannabis industry closer to the mainstream, but legal dispensaries will still have to deal with workarounds to accept card or mobile payments. The upcoming U.S.

Legal 158

Legal Mobile Payments Payments Card Network Rules 158

PYMNTS

APRIL 20, 2017

In the meantime, and in line with best practice, we recommend that individuals closely monitor their payment card account statements. Payment card network rules generally state that cardholders are not responsible for such charges.”. If there are unauthorized charges, individuals should immediately notify their bank.

Data Breach 45

Data Breach Breach Card Network Rules Best Practices 45

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

FEBRUARY 27, 2019

P2P transfer apps aren't just for splitting the rent — they can also be portals to a wider array of financial services, as Canada’s national Interac debit network plans to prove.

P2P 103

P2P Debit Network B2B Payments 103

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

Payments Source

NOVEMBER 3, 2017

In the U.S., Visa Direct has emerged as one of the few go-to tools for fast payments in a market that is overdue for such options. The product's true test begins now, as Visa launches it in Europe, where faster payments options are far more plentiful.

Faster Payments 88

Faster Payments Payments Product Card Network Rules 88

Payments Source

JANUARY 14, 2020

The specific impetus for the Federal Trade Commission's inquiry into Visa and Mastercard's debit transaction routing processes is not entirely clear, but it likely stems from the effect that advanced payments technology has had on Durbin amendment compliance.

Federal Trade Commission 83

Federal Trade Commission FTC Debit Transaction Compliance 83

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

EBizCharge

JUNE 28, 2024

Card types The type of card used in a transaction can dictate whether a surcharge is permissible. Credit card (CC) surcharges are subject to different rules than those for debit cards. Adherence to guidelines set by credit card companies.

Credit Cards 52

Credit Cards Legal Debit Card Best Practices 52

Payments Source

JANUARY 8, 2018

Visa did not attribute its shutdown to the use of bitcoin, but the incident is a further reminder — as if one was needed — that cryptocurrencies' volatility extends beyond their dramatic pricing swings.

Shutdown 69

Shutdown Bitcoin Cryptocurrency Card Network Rules 69