Credit Card Surcharging Compliance Guide
Understanding the rules around credit card surcharging and dual pricing is essential for auto repair shops. Rate Remover helps you stay compliant while recovering card processing fees.
With Surcharging
Maximum Surcharge Cap
Visa and Mastercard cap surcharges at 3% or the merchant's actual cost of acceptance, whichever is lower.
Must Register 30 Days Prior
You must notify Visa and Mastercard at least 30 days before you begin surcharging customers.
Debit Cards Exempt
Surcharges cannot be applied to debit card transactions, even when processed as credit.
With Dual Pricing
Rate Disclosure Not Required
No discussion of rates or fees needed. Just two simple prices to choose from-cash price and card price.
No Registration Required
Start immediately. No need to notify card brands or wait 30 days before implementation.
No Exemptions for Debit Cards
Since we are not surcharging, the debit card exemption does not apply. All cards are treated the same.
Dual Pricing vs. Surcharging
Understanding the difference is key to staying compliant.
Dual Pricing (Cash Discount)
- Display both cash and card prices
- Legal in all 50 states
- No card brand notification required
- Applies to all card types including debit
Surcharging
- Add fee at point of sale for card payments
- Prohibited in some states
- Must notify card brands 30 days in advance
- Cannot apply to debit cards
Rate Remover Uses Dual Pricing
Our software automatically calculates and displays both cash and card prices, ensuring compliance in all 50 states while helping you recover card processing costs.
Official Resources & Documentation
Review these official sources for the most up-to-date surcharging rules and requirements.
Visa Core Rules and Visa Product and Service Rules
Official Visa documentation on surcharge requirements, including the 3% maximum cap and disclosure requirements.
Visit WebsiteMastercard Merchant Surcharge Rules
Mastercard's official guidelines for merchants implementing surcharges on credit card transactions.
Visit WebsiteConsumer Financial Protection Bureau
Federal guidance on credit card fees and consumer protections related to payment processing.
Visit WebsiteStay Compliant with Rate Remover
Our dual pricing solution is designed to keep your auto repair shop compliant while recovering card processing fees.
Get Started Today