Can a business charge for using a credit card?<\/h1>\n\n\n\n\n\nEric Rosenberg<\/p>\n<\/div>\n
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<\/div>\n\nBryce Colburn<\/div>\n<\/div>\n\n<\/div>\n\n\n![\"Bryce](\"https:\/\/i0.wp.com\/www.usatoday.com\/money\/blueprint\/wp-content\/uploads\/2023\/01\/bryce-colburn.jpg?resize=50%2C50&ssl=1\")
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\nBLUEPRINT<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\nPublished 8:08 a.m. ET Sep. 1, 2023<\/p>\n<\/div>\n
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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors’ opinions or evaluations. Please view our full\u00a0advertiser disclosure policy<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n![\"Featured](\"https:\/\/i0.wp.com\/www.usatoday.com\/money\/blueprint\/images\/uploads\/2023\/09\/01015224\/charge-for-using-credit-card.jpg?resize=335%2C188&ssl=1\")
<\/div>\nExtreme Media, Getty Images<\/span><\/p>\n<\/figcaption><\/figure>\n<\/div>\n\nIf you regularly use a card at checkout, you may have encountered an added service fee for paying with your card. While businesses were not allowed to charge fees for paying with plastic in the past, updated rules allow companies to add a surcharge or fee when customers use a card for payment.<\/p>\n
Keep reading to learn how businesses can charge extra when using a credit card.<\/p>\n
What are credit card processing fees?<\/h2>\n
Businesses must pay a modest credit card processing fee whenever a customer makes a card-based payment. Fees are often around 1% to 3% of the transaction amount, which merchants pay to their\u00a0credit card processor<\/a>. So, for example, when you make a $100 purchase at a local restaurant or store, the seller only gets about $97 to $99, with the remainder going to credit card processing fees.<\/p>\nFees are divided between the card network (Visa, Mastercard, American Express and Discover, for example), the merchant\u2019s processor (such as\u00a0Square<\/a>,\u00a0Stripe<\/a>,\u00a0PayPal<\/a>\u00a0and major banks) and potentially other companies involved in transaction processing.<\/p>\nUnderstanding surcharges vs. convenience fees<\/h2>\n
You may come across convenience fees and surcharges when shopping online or in person. While it\u2019s never fun to pay extra, understanding how these fees work may help you avoid or better control them.<\/p>\n
Convenience fees\u00a0<\/strong>are add-on charges related to extra services. For example, if you buy a movie ticket online or by phone through a third-party service, the third party can charge a convenience fee. If you\u2019ve bought concert tickets through a service like Ticketmaster, you\u2019re likely very familiar with convenience fees. If a business normally accepts cash payments, they may add a convenience fee for credit card sales.<\/p>\nSurcharges\u00a0<\/strong>are add-on charges that help companies to recoup the higher cost of a credit card transaction. If a business adds a surcharge to credit card payments, it\u2019s to offset the 1% to 3% fee they\u2019re likely paying for credit card processing.<\/p>\nNote:\u00a0<\/strong>In place of surcharges, some businesses require a certain minimum purchase amount for card-based payments to ensure they earn enough to cover the added costs.<\/p><\/blockquote>\nHow much are typical credit card transaction fees?<\/h2>\n
When you go to the register in most states, you shouldn\u2019t be shocked to see a surcharge added to your purchase. Surcharges vary based on the location and merchant.<\/p>\n
Before 2013, surcharges were generally nonexistent. After a class action lawsuit against Visa and Mastercard, businesses won the right to mark up card-based purchases to help cover their added costs. Surcharges may be up to 4% of the purchase at most but are often around 2% to 3%, in line with the seller\u2019s processing fees.<\/p>\n
At gas stations, you may have noticed some sellers mark up purchases by $0.05 or $0.10 per gallon when paying by card. They may call the cash price a discount, but regardless, you\u2019ll pay more at some gas stations when paying with a debit or credit card because of the surcharge.<\/p>\n
State or local governments may regulate credit card transaction fees. We\u2019ll break down which states allow surcharges and which prohibit or limit them\u00a0below<\/a>.<\/p>\nAre credit card fees legal?<\/h2>\n
Credit card surcharges are legal unless otherwise prohibited by state or local law. Certain states have specific disclosure requirements, while others limit what businesses can add as a credit card surcharge.<\/p>\n
While laws can change at any time, only 10 states currently impose some type of restriction or disclosure requirement on credit card surcharges. Connecticut, Maine, Massachusetts and Oklahoma prohibit or limit surcharges.<\/p>\n
Credit card surcharge legality across the U.S.<\/h2>\n
Federal court cases regarding surcharge legality may override state laws in some situations. Here\u2019s a glance at states with laws that restrict or prohibit card surcharges.<\/p>\n
\n\n\n \n\nSTATE<\/th>\n LEGAL RESTRICTIONS RELATED TO CREDIT CARD SURCHARGES<\/th>\n RESTRICTION DETAILS<\/th>\n<\/tr>\n<\/thead>\n \n\nAlabama<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nAlaska<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nArizona<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nArkansas<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nCalifornia<\/strong><\/td>\nRestricted<\/td>\n Illegal according to state law but reversed by court case<\/td>\n<\/tr>\n \nColorado<\/strong><\/td>\nRestricted<\/td>\n Surcharges are limited to 2% or the actual cost<\/td>\n<\/tr>\n \nConnecticut<\/strong><\/td>\nRestricted<\/td>\n Surcharges are prohibited. Cash discounts are allowed<\/td>\n<\/tr>\n \nDelaware<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nDistrict of Columbia<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nFlorida<\/strong><\/td>\nRestricted<\/td>\n Convenience fees allowed up to the cost incurred by the seller<\/td>\n<\/tr>\n \nGeorgia<\/strong><\/td>\nRestricted<\/td>\n Convenience fees are only allowed when alternate payment methods are available without a fee. Fees must be clearly disclosed. Fees can\u2019t be more than the merchant\u2019s cost<\/td>\n<\/tr>\n \nHawaii<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nIdaho<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nIllinois<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nIndiana<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nIowa<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nKansas<\/strong><\/td>\nRestricted<\/td>\n Surcharges are limited by state law<\/td>\n<\/tr>\n \nKentucky<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nLouisiana<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nMaine<\/strong><\/td>\nRestricted<\/td>\n Surcharges are prohibited, except in the case of government entities, which must clearly disclose the amount prior to payment and cannot exceed the cost incurred by the government for the transaction<\/td>\n<\/tr>\n \nMaryland<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nMassachusetts<\/strong><\/td>\nRestricted<\/td>\n Surcharges are prohibited<\/td>\n<\/tr>\n \nMichigan<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nMinnesota<\/strong><\/td>\nRestricted<\/td>\n Surcharges must be clearly disclosed and may not exceed five percent of the purchase price<\/td>\n<\/tr>\n \nMississippi<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nMissouri<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nMontana<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNebraska<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNevada<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNew Hampshire<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNew Jersey<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNew Mexico<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNew York<\/strong><\/td>\nRestricted<\/td>\n Cash and card prices may be used if clearly disclosed<\/td>\n<\/tr>\n \nNorth Carolina<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nNorth Dakota<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nOhio<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nOklahoma<\/strong><\/td>\nRestricted<\/td>\n Surcharges limited to 2%. Disclosures are required<\/td>\n<\/tr>\n \nOregon<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nPennsylvania<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nPuerto Rico<\/strong><\/td>\nRestricted<\/td>\n Surcharges are not permitted<\/td>\n<\/tr>\n \nRhode Island<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nSouth Carolina<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nSouth Dakota<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nTennessee<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nTexas<\/strong><\/td>\nRestricted<\/td>\n Only government entities are allowed to add surcharges<\/td>\n<\/tr>\n \nUtah<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nVermont<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nVirginia<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nWashington<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nWest Virginia<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nWisconsin<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n \nWyoming<\/strong><\/td>\nNo restriction<\/td>\n <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nCredit card fee rules and regulations<\/h2>\n
If you run a small business and want to set credit card surcharges, it\u2019s important to take several steps. Those include:<\/p>\n
\n- Research state laws and regulations.<\/li>\n
- Check rules and limitations with your\u00a0credit card processor<\/a>.<\/li>\n
- Notify the processor of planned surcharges if required.<\/li>\n
- Create signage or disclosures notifying customers if required by state law.<\/li>\n
- Train employees to disclose surcharges orally if required by state law.<\/li>\n<\/ul>\n
Do payment processors handle surcharges?<\/h2>\n
Check with your payment processor to learn more about how surcharges work. In some cases, you need to add the surcharges in your sales or credit card processing systems. In others, you may have to work with the processor to have them adjust your sales to include the surcharge.<\/p>\n
Check out our list of the\u00a0best payment processing companies<\/a>\u00a0to learn what to expect when working with different credit and debit card processors.<\/p>\n\nFrequently asked questions (FAQs)<\/div>\n\n
Eric Rosenberg<\/p>\n<\/div>\n
<\/div>\n<\/a><\/div>\n\n<\/div>\n<\/div>\n
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\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
BLUEPRINT<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Published 8:08 a.m. ET Sep. 1, 2023<\/p>\n<\/div>\n
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- \n<\/div>\n<\/li>\n
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<\/div>\n<\/li>\n- <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n
\n\nEditorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors’ opinions or evaluations. Please view our full\u00a0advertiser disclosure policy<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n
\n\n<\/div>\n Extreme Media, Getty Images<\/span><\/p>\n<\/figcaption><\/figure>\n<\/div>\n
\nIf you regularly use a card at checkout, you may have encountered an added service fee for paying with your card. While businesses were not allowed to charge fees for paying with plastic in the past, updated rules allow companies to add a surcharge or fee when customers use a card for payment.<\/p>\n
Keep reading to learn how businesses can charge extra when using a credit card.<\/p>\n
What are credit card processing fees?<\/h2>\n
Businesses must pay a modest credit card processing fee whenever a customer makes a card-based payment. Fees are often around 1% to 3% of the transaction amount, which merchants pay to their\u00a0credit card processor<\/a>. So, for example, when you make a $100 purchase at a local restaurant or store, the seller only gets about $97 to $99, with the remainder going to credit card processing fees.<\/p>\n
Fees are divided between the card network (Visa, Mastercard, American Express and Discover, for example), the merchant\u2019s processor (such as\u00a0Square<\/a>,\u00a0Stripe<\/a>,\u00a0PayPal<\/a>\u00a0and major banks) and potentially other companies involved in transaction processing.<\/p>\n
Understanding surcharges vs. convenience fees<\/h2>\n
You may come across convenience fees and surcharges when shopping online or in person. While it\u2019s never fun to pay extra, understanding how these fees work may help you avoid or better control them.<\/p>\n
Convenience fees\u00a0<\/strong>are add-on charges related to extra services. For example, if you buy a movie ticket online or by phone through a third-party service, the third party can charge a convenience fee. If you\u2019ve bought concert tickets through a service like Ticketmaster, you\u2019re likely very familiar with convenience fees. If a business normally accepts cash payments, they may add a convenience fee for credit card sales.<\/p>\n
Surcharges\u00a0<\/strong>are add-on charges that help companies to recoup the higher cost of a credit card transaction. If a business adds a surcharge to credit card payments, it\u2019s to offset the 1% to 3% fee they\u2019re likely paying for credit card processing.<\/p>\n
Note:\u00a0<\/strong>In place of surcharges, some businesses require a certain minimum purchase amount for card-based payments to ensure they earn enough to cover the added costs.<\/p><\/blockquote>\n
How much are typical credit card transaction fees?<\/h2>\n
When you go to the register in most states, you shouldn\u2019t be shocked to see a surcharge added to your purchase. Surcharges vary based on the location and merchant.<\/p>\n
Before 2013, surcharges were generally nonexistent. After a class action lawsuit against Visa and Mastercard, businesses won the right to mark up card-based purchases to help cover their added costs. Surcharges may be up to 4% of the purchase at most but are often around 2% to 3%, in line with the seller\u2019s processing fees.<\/p>\n
At gas stations, you may have noticed some sellers mark up purchases by $0.05 or $0.10 per gallon when paying by card. They may call the cash price a discount, but regardless, you\u2019ll pay more at some gas stations when paying with a debit or credit card because of the surcharge.<\/p>\n
State or local governments may regulate credit card transaction fees. We\u2019ll break down which states allow surcharges and which prohibit or limit them\u00a0below<\/a>.<\/p>\n
Are credit card fees legal?<\/h2>\n
Credit card surcharges are legal unless otherwise prohibited by state or local law. Certain states have specific disclosure requirements, while others limit what businesses can add as a credit card surcharge.<\/p>\n
While laws can change at any time, only 10 states currently impose some type of restriction or disclosure requirement on credit card surcharges. Connecticut, Maine, Massachusetts and Oklahoma prohibit or limit surcharges.<\/p>\n
Credit card surcharge legality across the U.S.<\/h2>\n
Federal court cases regarding surcharge legality may override state laws in some situations. Here\u2019s a glance at states with laws that restrict or prohibit card surcharges.<\/p>\n
\n\n
\n \n\n \n <\/colgroup>\n \n \nSTATE<\/th>\n LEGAL RESTRICTIONS RELATED TO CREDIT CARD SURCHARGES<\/th>\n RESTRICTION DETAILS<\/th>\n<\/tr>\n<\/thead>\n \n Alabama<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Alaska<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Arizona<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Arkansas<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n California<\/strong><\/td>\n Restricted<\/td>\n Illegal according to state law but reversed by court case<\/td>\n<\/tr>\n \n Colorado<\/strong><\/td>\n Restricted<\/td>\n Surcharges are limited to 2% or the actual cost<\/td>\n<\/tr>\n \n Connecticut<\/strong><\/td>\n Restricted<\/td>\n Surcharges are prohibited. Cash discounts are allowed<\/td>\n<\/tr>\n \n Delaware<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n District of Columbia<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Florida<\/strong><\/td>\n Restricted<\/td>\n Convenience fees allowed up to the cost incurred by the seller<\/td>\n<\/tr>\n \n Georgia<\/strong><\/td>\n Restricted<\/td>\n Convenience fees are only allowed when alternate payment methods are available without a fee. Fees must be clearly disclosed. Fees can\u2019t be more than the merchant\u2019s cost<\/td>\n<\/tr>\n \n Hawaii<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Idaho<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Illinois<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Indiana<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Iowa<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Kansas<\/strong><\/td>\n Restricted<\/td>\n Surcharges are limited by state law<\/td>\n<\/tr>\n \n Kentucky<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Louisiana<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Maine<\/strong><\/td>\n Restricted<\/td>\n Surcharges are prohibited, except in the case of government entities, which must clearly disclose the amount prior to payment and cannot exceed the cost incurred by the government for the transaction<\/td>\n<\/tr>\n \n Maryland<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Massachusetts<\/strong><\/td>\n Restricted<\/td>\n Surcharges are prohibited<\/td>\n<\/tr>\n \n Michigan<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Minnesota<\/strong><\/td>\n Restricted<\/td>\n Surcharges must be clearly disclosed and may not exceed five percent of the purchase price<\/td>\n<\/tr>\n \n Mississippi<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Missouri<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Montana<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Nebraska<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Nevada<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n New Hampshire<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n New Jersey<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n New Mexico<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n New York<\/strong><\/td>\n Restricted<\/td>\n Cash and card prices may be used if clearly disclosed<\/td>\n<\/tr>\n \n North Carolina<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n North Dakota<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Ohio<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Oklahoma<\/strong><\/td>\n Restricted<\/td>\n Surcharges limited to 2%. Disclosures are required<\/td>\n<\/tr>\n \n Oregon<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Pennsylvania<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Puerto Rico<\/strong><\/td>\n Restricted<\/td>\n Surcharges are not permitted<\/td>\n<\/tr>\n \n Rhode Island<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n South Carolina<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n South Dakota<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Tennessee<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Texas<\/strong><\/td>\n Restricted<\/td>\n Only government entities are allowed to add surcharges<\/td>\n<\/tr>\n \n Utah<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Vermont<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Virginia<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Washington<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n West Virginia<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Wisconsin<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n \n Wyoming<\/strong><\/td>\n No restriction<\/td>\n <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n Credit card fee rules and regulations<\/h2>\n
If you run a small business and want to set credit card surcharges, it\u2019s important to take several steps. Those include:<\/p>\n
- \n
- Research state laws and regulations.<\/li>\n
- Check rules and limitations with your\u00a0credit card processor<\/a>.<\/li>\n
- Notify the processor of planned surcharges if required.<\/li>\n
- Create signage or disclosures notifying customers if required by state law.<\/li>\n
- Train employees to disclose surcharges orally if required by state law.<\/li>\n<\/ul>\n
Do payment processors handle surcharges?<\/h2>\n
Check with your payment processor to learn more about how surcharges work. In some cases, you need to add the surcharges in your sales or credit card processing systems. In others, you may have to work with the processor to have them adjust your sales to include the surcharge.<\/p>\n
Check out our list of the\u00a0best payment processing companies<\/a>\u00a0to learn what to expect when working with different credit and debit card processors.<\/p>\n
\n Frequently asked questions (FAQs)<\/div>\n\n
- \n