Visa · Version 02/15/2024
U.S. Merchant Surcharge Q and A
Primary Visa guidance that covers surcharge limits, debit restrictions, signage, receipt disclosure, and cash discount framing.
Source library
Primary references used across this site
Rules change. Use the original documents below to verify dates, wording, and scope before making operational changes.
Open source ↗
Visa · Live page, accessed 2026-08-17
Credit Card Processing Fees and Interchange Rates
Visa landing page for merchant surcharge setup, including 30-day acquirer notice and links to disclosure examples.
Visa · Sample signage PDF
Sample Surcharge Disclosure Signage
Official sample point-of-entry and point-of-sale surcharge disclosure language.
Visa · Version 08/14/2023
Merchant Surcharging Considerations and Requirements
Checklist style Visa document with state-law caution language and practical surcharge requirements.
Mastercard · Live page, accessed 2026-08-17
Mastercard Credit Card Surcharge Rules and Fees for Merchants
Mastercard summary of notice, brand-vs-product logic, disclosure obligations, and maximum surcharge cap references.
U.S. Code · Current U.S. Code text
15 U.S.C. 1693o-2 Reasonable fees and rules for payment card transactions
Federal definition of lawful discounts as a reduction from the regular posted price, not a means of increasing that price.