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        <h1>Merchant Surcharging <br>
        Considerations and Requirements</h1>
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            <h2>Merchant Surcharging Considerations and Requirements</h2>

<h5>Before you decide to add a surcharge, or check out fee, consider the following:</h5>

          

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                <h2 class="text-left">What will...</h2>

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                <h3>My customers think?</h3>

                

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                <h3>I need to disclose to my customers?</h3>

              

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                <h3>My competitors do?</h3>

                

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            <h2>Is surcharging
permitted in my state?</h2>


            <p><b>States currently prohibiting or limiting surcharging</b></p>
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                <li>Connecticut</li>
                <li>Maine</li>
                <li>Massachusetts</li>
                <li>Oklahoma</li>
                
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            <h2>When can I begin?</h2>
          <p><b>30 days’ notice required</b></p>
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                <li>Merchants are required to inform their processor 30 days before surcharging.</li>
                
              
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            <h2>When can I surcharge?</h2>
          <p><b>Credit transactions only</b></p>
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                <li>Surcharging applies only to credit transactions
in the U.S. and U.S. territories. Debit and
prepaid cannot be surcharged.</li>
                
                
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            <h2>How much can I
surcharge?</h2>
            <p><b>No more than the cost of acceptance</b></p>
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                <li>The surcharge cannot surpass your total cost of accepting the credit card. </li>
                
              
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            <h2>What must I disclose
to my customers?</h2>
            <p><b>Proper signage and notification
required</b></p>
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                <li> Disclosures must be provided at the point of entry and point of sale. </li>
                <li>Itemization of the final surcharge amount
must be identified separately on the
transaction receipt.</li>
                
                
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            <h2>Visa’s Position on Surcharging</h2>

            <p><b>Visa remains opposed to surcharging, a practice that penalizes cardholders for using their preferred form of payment.</b></p>



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              <h3>The benefits of card acceptance include:</h3>

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                <li>Increased sales</li>



                <li>A fast and convenient checkout experience</li>

                <li>Improved security</li>

                <li>Guaranteed payment and faster processing time</li>

                

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 <img src="assets/images/visa.jpg" class="img-responsive" alt=""> More information on surcharging guidelines and requirements can be found at <a class="visa-url-merchantsurcharging" href="https://usa.visa.com/support/small-business/regulations-fees.html" target="_blank">www.visa.com/merchantsurcharging </a>

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 In cases when the merchant’s cost of acceptance exceeds 3% of the underlying transaction amount, the merchant cannot assess a surcharge above 3%.

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