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Debit Card Surcharging: Is It Legal?

EBizCharge

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. So, it’s important to understand these rules and regulations in their entirety. Can you surcharge a debit card? The thing is, those rules aren’t all in one place.

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What is ACH Credit and ACH Debit and How Do They Work?

Stax

The ACH network is governed by the National Automated Clearing House Association (Nacha ), an American organization that administers risk management and rule enforcement for all ACH transfers and works with the Federal Reserve. What are ACH Debit Payments? This type of transaction is perfect for regular, predictable payments.

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Payments regulation roadmap: Q3 2025​

The Payments Association

Willem Wellinghoff Chief compliance officer and UK chair, Ecommpay “The incoming FCA CASS/Safeguarding rules will require significant preparation from payment firms, with stricter audit obligations and a tighter compliance framework. However, other proposals, such as the end-state safeguarding rules, could throttle some business models.

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Credit Card Machine for Small Businesses

Cardfellow

With a credit card machine, youll be able to take credit and debit. Some models include built-in PIN pads for PIN debit transactions.) As a loose rule, if the equipment is made by a processing company, its likely restricted to that company. If you need options like that, youll want to consider a full POS system instead.

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Why small banks may shun Zelle

Payments Dive

New users of Zelle made nearly three times as many debit transactions in the first year of using the service compared to non-Zelle users, the study found. By Lynne Marek • Aug.

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Fed proposes reduction in debit fee cap

Payments Dive

The Federal Reserve Board proposed a rule change that would slash the amount card issuers can charge merchants for processing a debit transaction. The proposal also calls for periodic updates to the fee cap in the future.

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New NACHA Rule Could Catch Payment Processors, Merchants, FIs Off-Guard

PYMNTS

Getting there is a long road with many twists and turns, with guidance provided not only by back-end technology but also by updated rules from organizations with a governing role across the payments industry. The rule change is the subject of a recent white paper published by GIACT. New NACHA Rule.