EBizCharge

JUNE 27, 2025

And more importantly, is it legal? Proper implementation isn’t just about applying a fee—it’s about doing so correctly, transparently, and legally. Legal considerations From a federal standpoint, there’s no law in the U.S. But what does this model look like in practice? What is zero-cost credit card processing?

Credit Cards 52

Credit Cards Legal Process Push-to-Card 52

Stax

DECEMBER 2, 2024

Several new laws seek to ban “drip pricing” or “junk fees,” and their uncertain meaning has resulted in confusion among merchants and acquirers. What are drip pricing laws? This language is from California’s “Honest Pricing Law,” also known as SB 478 , which went into effect on July 1, 2024.

Junk Fees 68

Junk Fees Credit Cards Push-to-Card Laws 68

The Payments Association

JANUARY 13, 2025

2) End-state safeguarding rules: Statutory trust implementation: Relevant funds will be held under a statutory trust, providing additional legal protection for customers in the event of a firms insolvency. However, this introduces new complexities, including increased legal obligations and potential delays in fund distribution.

Compliance 88

Compliance Audit Legal Reconciliation 88

Cardfellow

JUNE 16, 2025

The Current Regulations You may set a minimum purchase amount on credit card purchases so long as you abide by the card brands’ requirements and the amount you charge is at or under the legal maximum. These days, the brands all acknowledge that minimums are permitted by law, but only on credit card transactions.

Credit Cards 98

Credit Cards Federal Reserve Debit Card Visa 98

The Fintech Times

DECEMBER 9, 2024

Google has filed a legal challenge against the US Consumer Financial Protection Bureau (CFPB), the agency responsible for overseeing consumer finance, after it placed Google Payment Corp., The move follows the agencys use of a dormant legal authority revived in 2022 to oversee nonbank entities deemed to pose risks to consumers.

Consumer Financial Protection Bureau (CFPB) 75

Consumer Financial Protection Bureau (CFPB) CFPB Regulations Legal 75

Stax

JUNE 24, 2025

Pros Cons Reduce credit card processing fees Must abide by state and federal laws and regulations Improve profit margins Customers may have negative reactions. Check the laws Firstly, businesses need to determine whether surcharging is legally permissible in their jurisdiction.

Credit Cards 88

Credit Cards Process Processors Laws 88

EBizCharge

DECEMBER 2, 2024

When used legally, the dual pricing approach can help businesses navigate the complexities of processing fees and empower consumers to make informed decisions at the point of sale (POS). For businesses, it provides a legal way to manage the hefty credit card processing costs and maintain competitive pricing for cash-paying customers.

Process 52

Process Credit Cards Legal Point-of-Sale (POS) 52

The Payments Association

NOVEMBER 12, 2024

Independent UK law firm Burges Salmon has announced the appointment of partner Martin Cook as the new head of the firm’s significant and fast growing Financial Services sector.

Cross-Border 88

Cross-Border Disputes Legal Laws 88

Fintech Finance

MARCH 19, 2025

AffiniPay , a leader in legal practice management software, integrated payments, and embedded fintech solutions for professionals, announced today the early access launch of MyCase Smart Spend, powered by the LawPay Visa Business Card, the first credit card to integrate with legal practice management software for streamlined spend management.

Credit Cards 59

Credit Cards Laws Legal Embedded Finance 59

Fintech Finance

JULY 3, 2025

The law was enacted on June 25, 2025 and creates a new regulatory framework for On-Demand Pay products in Louisiana. The new law codifies the On-Demand Pay industry’s best consumer protection practices, and clarifies that providers are not deemed to be engaging in lending when they comply with the provisions of HB 368. .

On-Demand 75

On-Demand Laws Consumer Protection Legal 75

Stax

JULY 7, 2025

When implementing a surcharging program, businesses follow local regulations, ensure legal compliance, determine surcharge percentages and communicate transparently. Compliance with legal regulations and card network guidelines is necessary. 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

JUNE 25, 2025

states, credit card surcharges are permitted, provided businesses follow applicable local laws and card network rules. states, credit card surcharges are permitted, provided businesses follow applicable local laws and card network rules. Is this even legal?” It’s also important that the same wording is reflected on the receipt.

Compliance 52

Compliance Credit Cards Card Network Rules Rules 52

Innovative Payments Association

JANUARY 13, 2025

Report Suspicious Activity: If you suspect fraud, report it to your bank, payment provider, and law enforcement immediately. Educate Yourself on New Payment Systems: Familiarize yourself with how digital wallets, peer-to-peer payment apps, and other systems work. Understanding these tools reduces the risk of falling for scams.

Scams 52

Scams Law Enforcement Payments FBI 52

Stax

MAY 7, 2025

But with complex regulations and shifting legal landscapes, it can be nearly impossible to stay up to date on your own. The session covers topics including current regulations, changes to state laws, proper signage requirements, practical implementation strategies, and clarification on areas of industry confusion.

ISVS 88

ISVS Best Practices Alternative Payment Methods Legal 88

The Payments Association

JUNE 3, 2025

For instance, a retail investor in Singapore could feasibly purchase a tokenised share of a New York building without navigating traditional legal, regulatory, or technological barriers. Tokenisation must also contend with data sovereignty laws that dictate where data can be stored, processed, and transferred.

Security 88

Security Payment APIs and Integration Payment Security Credential 88

EBizCharge

MARCH 14, 2025

Customers should be able to grasp the terms without needing a legal background. Legal advice: Legal experts can help clarify terms, avoid vague language that may lead to misunderstandings, and ensure that the policy aligns with applicable refund and return laws. Can you get around a no-refund policy?

Returns 52

Returns Disputes Legal Non-Bank 52

The Payments Association

FEBRUARY 10, 2025

This legislation represents a significant shift in corporate accountability, aiming to strengthen the UKs legal framework against financial crime. Voices from the industry Businesses subject to the Failure to Prevent Fraud offence must understand their legal obligations under the new law.

Crime 88

Crime Fraud Prevention Risk Assessment Due Diligence 88

EBizCharge

JUNE 23, 2025

But here’s the catch: surcharge rules are a patchwork of federal guidelines, state laws, and card network rules. ” and “is it legal to add a credit card surcharge?” That distinction is important because surcharges are more tightly regulated by both card networks and state laws. Others place strict limits.

Credit Cards 52

Credit Cards Legal Card Network Rules Rules 52

Fintech Finance

JULY 3, 2025

The Louisiana On-Demand Pay law supports workers with more flexible access to their income. The law was enacted on June 25, 2025 and creates a new regulatory framework for On-Demand Pay products in Louisiana. The law was enacted on June 25, 2025 and creates a new regulatory framework for On-Demand Pay products in Louisiana.

On-Demand 59

On-Demand Laws Payroll Consumer Protection 59

Fi911

JUNE 9, 2025

Legal costs compound these expenses, particularly when customers sue over losses, or shareholders claim negligence. Law enforcement coordination requires established relationships. International law enforcement partnerships become crucial for cross-border transfers. Operational costs mount quickly during BEC incidents.

Email Compromise 52

Email Compromise Business Email Compromise Compromise Law Enforcement 52

Finextra

JUNE 26, 2025

Non-compliance, on the other hand, can lead to data breaches and legal troubles. Why PSD2 compliance matters to your business By complying with PSD2, you gain more than legal coverage. Most local laws follow their recommendations. Conclusion Payment compliance is no longer just a legal obligation. You reduce fraud.

PCI DSS 52

PCI DSS AML Process Payment APIs and Integration 52

EBizCharge

JUNE 26, 2025

That’s where a clear, legally sound surcharge notice comes in. Not every business adds a surcharge to credit card payments, but if you do, you may need to notify your customers, not just as best practice but by law. It’s about being transparent, yes, but it’s also about being compliant with the law and avoiding headaches down the road.

Credit Cards 52

Credit Cards Card Network Rules Legal Laws 52

Fintech Review

APRIL 20, 2025

Regulation and Compliance Cybertech is not only about protecting infrastructure, it is also about meeting legal and regulatory expectations. This includes data protection laws such as GDPR, operational resilience frameworks, and specific financial sector regulations.

Finance 59

Finance Security Fraud Detection Encryption 59

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. Done wrong, it can lead to fines or even legal issues. Legal and card brand requirements for surcharge notices Before you add a surcharge to credit card transactions, there are some boxes you have to check.

Credit Cards 52

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

EBizCharge

JUNE 19, 2025

That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. But navigating legal compliance, customer communication, and operational setup requires thought. Is It Legal for B2B Businesses to Add a Surcharge for Credit Card Payments?

Best Practices 52

Best Practices Credit Cards B2B Legal 52

Finextra

JULY 18, 2025

Stephen Allen, director of the class representatives CICC I and CICC II, which already represent businesses in a commercial card collective proceedings against the US giants, has instructed law firm Harcus Parker to file the complementary proceedings. ” Various legal battles over interchange fees in the UK have been running for years.

Visa 69

Visa Settlement Credit Cards Privacy 69

EBizCharge

JUNE 17, 2025

But understanding the key differences and legal requirements for each is crucial for compliance and customer trust. At EBizCharge, we help businesses implement surcharge programs that reduce costs without violating card network rules or state laws. Can You Legally Charge These Fees? Transparency and cost savings are key.

Credit Cards 52

Credit Cards Legal Rules Debit Card 52

EBizCharge

JUNE 30, 2025

In this article, we’ll break down the mechanics behind free online credit card processing for small businesses, explain how these programs work, and explore the legal, financial, and customer service angles you should consider before jumping in. Legal and compliance concerns While surcharging is permitted at the federal level in the U.S.,

Credit Cards 52

Credit Cards Small Business Process Credit Card Payment Processing 52

EBizCharge

JULY 7, 2025

If you’re a business owner thinking about passing credit card fees onto your customers you’re probably wondering: “Can I do this legally?” Either way the intent is usually the same: to recover the cost of doing business with credit card companies legally. That legal distinction matters. What Is a Credit Card Surcharge?

Credit Cards 52

Credit Cards Laws Rules Legal 52

Stax

JANUARY 23, 2025

Ensure regulatory compliance by adhering to anti-money laundering (AML) laws and Know Your Customer (KYC) requirements. Ensuring adherence to legal and regulatory standards, such as PCI DSS (Payment Card Industry Data Security Standard) requirements. Key advantages include: Minimizing fraud and chargebacks.

Underwriting 68

Underwriting PCI DSS Money Laundering Processors 68

EBizCharge

JUNE 18, 2025

That’s where credit card surcharging comes in: a legal and innovative way to offset processing costs. But navigating legal compliance, customer communication, and operational setup requires thought. Is It Legal for B2B Businesses to Add a Surcharge for Credit Card Payments? Can I surcharge all credit card payments?

Best Practices 52

Best Practices Credit Cards B2B Alternative Payment Methods 52

The Payments Association

JUNE 16, 2025

Law enforcement also needs serious resourcing. The consensus across the sector remains that a cross-sector, prevention-focused strategy—encompassing telcos, tech platforms, law enforcement, and government—is urgently needed to prevent fraudulent transactions before money moves, rather than attempting recovery after the fact.

Scams 88

Scams Assessments Consumer Protection Fraud Prevention 88

EBizCharge

JUNE 24, 2025

Many small business owners aren’t sure where to start, whether it’s even legal, or how customers will respond. They’re treated differently under both state laws and card network rules. Is Surcharging Legal in Your State? The legality of surcharging depends heavily on where your business operates.

Credit Cards 52

Credit Cards Small Business Card Network Rules Rules 52

The Fintech Times

FEBRUARY 19, 2025

As we look ahead, we will continue collaborating with our clients and industry, develop infrastructure, evolve laws and regulations, and nurture innovation to ensure we continue enhancing Dubais reputation as the regions number one global financial centre.

AI 75

AI FinTech Laws Authorization 75

Finextra

JUNE 23, 2025

By passing this law, U.S. This means the “stable” in stablecoin is now legally enforceable. By transforming stablecoins from a wild experiment into a tightly supervised financial product, the law paves the way for broader adoption. The GENIUS Act changes that virtually overnight. Now that U.S.

Embedded Finance 52

Embedded Finance Stablecoins Finance Payment APIs and Integration 52

Cardfellow

JUNE 28, 2025

Cash discounts are legal in all 50 states when implemented properly – that is, by pricing all items as credit prices and offering a lower cost than the posted price to consumers who choose to pay with cash. While cash discounts are legal everywhere when properly implemented, surcharges are prohibited in some states.

Process 52

Process Credit Cards Debit Card Transactions 52

EBizCharge

MAY 1, 2025

Differentiating the various pricing structures and fees associated with credit card processing can enable your business to implement strategies to manage or pass these costs to customers legally. FAQs regarding credit card processing fees FAQs regarding credit card processing fees Are there legal restrictions on surcharging?

Credit Cards 52

Credit Cards Process Processors B2G 52