Surcharge programs must track notice, card-type logic, and disclosures exactly.

Core checkpoints

• Provide the required advance notice to your acquirer before go-live.
• Apply surcharge to credit card transactions only, never debit or prepaid.
• Keep surcharge at or below your documented cost-of-acceptance and network cap constraints.
• Disclose surcharge at entry and point-of-sale, and itemize it on receipts.
• Use one implementation mode: brand-level or product-level, not both simultaneously.

Official disclosure examples

Visa publishes sample entry and point-of-sale language that merchants can use as a baseline when reviewing signage quality and consistency.