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You might consider NOT surcharging if: Before deciding whether or not to surcharge, consider checkout fees through the eyes of your customers and carefully consider whether those fees will make up for any loss in revenue.Both the court settlement and the cards brands have outlined specific limits on surcharging in order to protect consumers.Checkout fees have historically been defined as a fee charged to consumers who use credit cards that would not have been charged if the consumer had paid with cash or a check.Visa and Master Card have always prohibited these fees as part of their merchant agreements; Discover and American Express allowed them, but forbid businesses to surcharge their cards differently than any other brands.However, California does have laws that still apply regarding deceptive pricing, so you may want to consult an attorney if you're considering imposing a credit card surcharge on a business operating in California.More information is available at the Office of the Attorney General of California's website.
In September 2005, e Bay acquired Skype for .6 billion.
So, unless a business only accepted Discover and American Express, checkout fees were off the table. Businesses are now allowed to charge checkout fees to customers who use Visa and Master Card (NOT debit cards!
), and may continue to surcharge Discover and American Express, who were not involved in the recent settlement.
Card Fellow has an excellent guide to convenience fees, and the rules for these have not changed.
What has changed are the rules regarding merchant surcharging or checkout fees.* As of March 2015, courts in the state of California have ruled that the ban on surcharges is unconstitutional.