A payment card Surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a customer's bill when a credit card is used for payment. The ability to surcharge only applies to credit card purchases and only under certain conditions. United States merchants cannot surcharge debit card or prepaid card purchases.
Surcharging is allowed for all merchant category codes but is currently prohibited in the following(4) states: Connecticut, Colorado, Kansas, and Massachusetts.
Merchants must comply with applicable state or federal laws which may prohibit or restrict surcharging of credit transactions. Merchants must also comply with federal laws regarding deceptive or misleading disclosures.
MX™ Advantage Surcharge must be implemented according to Card Brand rules, and the type(s) of hardware/software solutions available for each method may also vary.
To learn more about the various MX™ Advantage products and how they can work for you and your business, please contact your Sales office.