Summary
This guide provides an overview of the regulations surrounding credit card surcharging in the United States, detailing the legal landscape for merchants and franchise owners. It explains that while credit card surcharging is generally legal in most states, there are significant variations in regulations, with some states outright prohibiting it. The document outlines that debit card surcharging is illegal in all states and notes that federal law caps credit card surcharges at 4% of the transaction value. It includes state-specific guidance, indicating where surcharging is prohibited, allowed with conditions, or permitted under federal law. The guide emphasizes the importance of clear disclosure of surcharges to customers and advises consulting legal professionals to ensure compliance with the latest regulations. Additionally, it directs readers to verify current laws in their respective states and provides a quick reference for navigating the complexities of credit card surcharge policies.
