Card Brand Rules and Regulations—Update

As your merchant services provider, we would like to ensure your business understands the requirements of the Surcharge program as outlined below.

  • If implementing merchant surcharge, a maximum of 3% may be assessed on credit cards only and may not be assessed on any debit card or prepaid card transactions.
  • Surcharge disclosures must be posted at the point of entry, website, point of sale and printed on all receipts with the required disclosure verbiage.
  • Acquirers mandate that merchants must give 30 days’ notice prior to implementation of surcharging.*

*Please note that, in this context, we constitute as your acquirer, and you do not have to provide additional notice. 

Please note, Surcharging is prohibited in the following states:

  1. Connecticut
  2. Maine
  3. Massachusetts
  4. Oklahoma

Recently, New York enacted a new law to clarify the disclosure of credit card surcharge that went into effect February 11, 2024. Click here to review the reference guide. 

The highlights include:

  • Clearly display BOTH the Credit Card and the Cash price.
  • List the HIGHER Credit Card price and advertise a DISCOUNT for Cash purchases.
  • Use the SAME PRICE for both Cash and Credit Card purchases.

Additionally, the Card Brand links below offer more information on the surcharge program.

Thank you for being a valued customer. Should you require any additional information regarding surcharge rules, please call 866.373.2249.