frequently asked questions

Credit Card Surcharge

Credit Card Surcharging

Here you will find everything you need to know about Credit Card Surcharging.

A payment surcharge, also known as a check out fee, is an additional fee that a merchant adds to a customer's bill when he or she uses a credit card for payment.

Merchant surcharging is allowed on credit card transactions only. It is NOT allowed on debit cards (signature or PIN-based). For example, a Visa credit card transaction can utilize surcharging, but a Visa debit card (i.e Visa check card) cannot utilize surcharging in any way. Visa and MasterCard check cards do not allow surcharging, whether processed as a Credit Card Sale (signature) or a Debit Card Sale.

Visa, MasterCard, American Express, and Discover all support merchant surcharging, though note that merchant surcharging rules should be reviewed on the payment brand websites. Each payment brand requires that merchants register to support surcharging functionality.

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