Some businesses choose pricing approaches that offset card acceptance costs. Two common approaches are surcharge programs and dual pricing. The details depend on card brand rules and applicable state requirements, and setup should be done in a compliant manner.
A surcharge program applies an additional fee to eligible credit card transactions. Proper disclosure, signage, receipts, and correct configuration are typically required. Debit transactions are commonly treated differently under card rules.
Dual pricing presents separate prices depending on payment method (for example, a cash price and a card price). The implementation should be consistent, transparent to customers, and aligned with applicable program and disclosure requirements.
Note: This page is informational and does not constitute legal advice. Businesses should confirm program requirements and state rules for their specific situation.
Related: Pricing models, FAQ
Compliance note: ClearRate Payments is not a bank. Payment processing services are provided through sponsoring banks and processing partners.