EBizCharge

JUNE 19, 2025

if you used your credit card instead of cash or a check. goes toward offsetting what the business must pay the processor or card networks, like Visa or Mastercard. So, it’s important to understand these rules and regulations in their entirety. You’d end up paying $51.50

Debit Card

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

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? Requires registration with Visa and Mastercard before implementation. Must be clearly disclosed at the point of sale and on the receipt.

Credit Cards

EBizCharge

JUNE 24, 2025

They’re treated differently under both state laws and card network rules. Legal complexity: You have to follow state laws and card network rules to stay compliant. Not allowed on debit or prepaid cards: Even if they’re run as credit, surcharging them violates rules.

Credit Cards

EBizCharge

JUNE 30, 2025

Card brand rules Notification requirements: Before implementing credit card surcharging, businesses are required to notify the major card networks—typically at least 30 days in advance. Visa, Mastercard, and others all have specific processes for this.

Credit Cards

EBizCharge

JUNE 30, 2025

Major card networks, like Visa, Mastercard, American Express, and Discover, all have their own sets of rules designed to protect consumers and ensure transparency. These typically include: Mandatory registration with the card network before adding a surcharge.

Credit Cards

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

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

Stax

JULY 7, 2025

Different types of credit card processing fees: Interchange fees: Interchange fees are set by card networks like Visa, Mastercard, and Discover and are paid by the merchant’s bank to the customer’s bank for each transaction. Legal and compliance factors to consider: Each of the major card networks (e.g.,

Credit Cards

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. Fees must not exceed the cost of credit card processing (typically capped at 3%).

Credit Cards

EBizCharge

MAY 5, 2025

Credit card processing fees are comprised of several fees, such as: Interchange fees: Interchange fees are paid to the card-issuing bank and typically consist of a percentage of the total transaction amount plus a small, fixed charge. Assessment fees: Assessment fees are imposed by major credit card networks (Visa, Mastercard, etc.)

Credit Cards

EBizCharge

JULY 1, 2025

Visa and Mastercard have their own rules, and so do various states. Are you unsure whether your fees are compliant with state laws and card network rules? These distinctions matter, especially if you’re trying to stay compliant. If you get it wrong, you could end up refunding charges or even facing penalties.

Process

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

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

Payments Source

NOVEMBER 8, 2019

Two Mastercard issuers have enabled Mastercard’s True Name feature for customers who opt to use their preferred name on credit, debit and prepaid cards instead of their legal name, to support gender inclusion.

Issuers

Stax

JULY 30, 2024

Unfortunately for them though, credit card payments come with a cost. billion in fees for accepting Mastercard and Visa credit cards in 2023. This was, in fact, the first time that swipe fees for these two card networks crossed $100 billion. For perspective, US businesses paid a staggering $100.77

Credit Cards

Stax

JANUARY 15, 2024

Utilizing global payment networks (Visa, Mastercard, etc.) Compliance with Payment Card Industry (PCI) Standards The Payment Card Industry Data Security Standard (PCI DSS) ensures secure cardholder data processing, storage, and transmission. Mastercard ​​Mastercard co-founded and co-developed the PCI DSS.

Credit Cards

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

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

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. Credit card networks like Mastercard and Visa set a universal limit of 4% on these fees.

Credit Cards

Payments Source

JANUARY 26, 2018

monthly movie subscription model, which uses a Mastercard to guarantee payment through its app. MoviePass has pulled its participation from 10 AMC movie theaters following disagreement over the theaters’ support of MoviePass’ $9.95

Visa

Stax

NOVEMBER 15, 2023

They can vary based on factors like the type of card (debit, credit, rewards, etc.) These go to the card networks themselves, like Visa, Mastercard, or American Express. Interchange fees are set by the credit card networks (Visa, Mastercard, Discover, American Express, etc.) The short answer is no.

Credit Cards

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

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

Payment Savvy

JULY 3, 2024

Banks may charge interchange fees, which are set by the card networks like Visa or Mastercard and are a portion of the transaction amount plus a flat fee. The credit card company: In this context, credit card companies also refer to the card networks like Visa, Mastercard, or Discover.

Debit Card

EBizCharge

JUNE 28, 2024

While retailers can impose surcharges on credit card purchases, debit card transactions are shielded from such fees, including when the debit card is run “as credit.” Pros and cons of charging credit card fees Surcharges can be a means for merchants to offset processing fees, but their legality and acceptance vary.

Credit Cards

Clearly Payments

FEBRUARY 8, 2024

Payment Networks: Major payment networks such as Visa, Mastercard, and the Automated Clearing House (ACH) Network also play significant roles in regulating payment transactions. They establish rules, standards, and fees for participating financial institutions and merchants.

Regulations