Here’s a quick overview of the steps to follow when implementing surcharging in 2025:
Allowed in most states, including Florida (state bans are unenforceable, but federal and card network rules apply).
Credit cards only — debit and prepaid cards cannot be surcharged.
Cap at 3% (cannot exceed actual processing cost or 3%, whichever is lower).
Disclose the surcharge clearly before checkout (signage in store, notices online).
Show the surcharge separately on receipts for full transparency.
Card Brand Notifications:
Visa / Mastercard → notification required before implementation.
Discover / Amex → no notification required, but the same rules apply.
Stay consistent across all locations/states where surcharging is applied.