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    Can I setup a surcharge for my credit card transactions?

    Q. What is a payment card surcharge? 
    A payment card surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer's bill when he or she uses a card for payment. Merchants that elect to surcharge must provide advance written notice to Visa, MasterCard, Discover, and the merchant acquirer 30 days prior to surcharging. Merchants will be required to disclose their surcharge policy at the point of store entry and as well as at the point of sale prior to the purchase transaction being completed.

    Q. Is a surcharge the right option for my business?
    Please see the link below for information regarding whether surcharge is a good option for your business:
     https://usa.visa.com/content/dam/VCOM/download/merchants/surcharge-considerations-and-requirements.pdf

    Q. Are there different rules for the different card brands?
    Please see the link below for more information regarding Visa Surcharge rules:
    https://usa.visa.com/dam/VCOM/download/merchants/surcharging-faq-by-merchants.pdf
    Please see the link below for information regarding MasterCard Surcharge rules:
    https://www.mastercard.us/en-us/merchants/get-support/merchant-surcharge-rules.html

    Discover and American Express surcharge rules follow those of Visa and MasterCard, but they also note that a surcharge must be applied for all credit card brands.

    Q. Can I surcharge for debit card transactions?
    No. U.S. merchants cannot surcharge debit card or prepaid card purchases.

    Q. Can I assess a surcharge on debit card transactions processed under “credit” option on the point of sale terminal?
    No. The ability to surcharge only applies to purchases made with a credit card, and only under certain conditions. Please refer to the links above for more information.

    Q. What states are prevented from charging customers a surcharge?
    Surcharging isn't allowed everywhere in the U.S. Currently, there are laws limiting surcharging in Colorado, Connecticut, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas. California's and New York's laws limiting surcharging have been enjoined from enforcement pursuant to court orders, but appeals are pending. An order upholding Florida's law limiting surcharging was reversed on appeal, but remains subject to further litigation. Consumers who are subjected to a surcharge in states where they may be prohibited from surcharging may want to report the retailer to their state attorney general's office.
     

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