Stay Compliant.
Stay Protected.
Surcharging is one of the most powerful ways to lower your processing costs—but only if it’s done correctly. Card brands and state regulators have strict rules on how surcharges are disclosed, calculated, and applied. At Surcharge Pros, compliance isn’t an afterthought—it’s built into everything we do.
The Rules You Need to Know
Credit Cards Only: You Can Only Apply Surcharges on Credit Card Transactions, Never on Debit or Prepaid Cards.
Fee Limits: Visa Currently Allows Up to 3%, Mastercard Allows Up to 4%, but State Laws May Set Lower Limits (for Example, Colorado and Oklahoma Cap Surcharges at 2%).
State Restrictions: Some States—Like Connecticut and Massachusetts — Do Not Allow Surcharging at All.
Disclosure Required: Clear Signage at the Point of Entry and Checkout Is Mandatory, and Surcharge Details Must Appear on Every Receipt.
Advance Registration: Merchants Must Notify Their Acquiring Bank and Card Networks Before Starting a Surcharging Program.
How Surcharge Pros Keeps You Safe
Automated Compliance Setup: We Register Your Account With Card Networks and Ensure All Required Forms Are Filed.
Built-In Signage & Receipts: Our System Automatically Prints Surcharge Disclosures on Receipts and Provides Ready-to-Use Signage for Your Location.
Technology Controls: Our Software Is Programmed to Never Surcharge Debit/Prepaid Cards, Eliminating the Risk of Accidental Violations.
Real-Time Updates: If Card Brands or States Change Surcharge Rules, We Update Your System to Match.
Training & Support: You’ll Receive Step-by-Step Guidance, Plus 24/7 Support, so Your Staff Always Knows the Rules.
Why Compliance Matters
Non-compliant surcharging can lead to chargebacks, penalties, or even the loss of your merchant account. With Surcharge Pros, you don’t have to worry—we’ve built our reputation on keeping businesses compliant while saving them money.
When you partner with us, you’re not just installing a fee-passing feature—you’re joining a fully compliant surcharging program backed by the industry’s leading processors, gateways, and regulatory knowledge.
Surcharge with Confidence. Surcharge with Surcharge Pros.
Surcharging By State
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