Is credit card surcharging legal?
Surcharging credit cards is legal in most U.S. states when done correctly, but it's capped by the card brands, can't be applied to debit cards, and requires advance notice to the networks. A few states restrict or ban it. A cash discount program avoids most of these rules and is usually simpler.
A surcharge adds a fee on top of your listed price when a customer pays by credit card. It's legal in most states, but comes with strict rules: the surcharge is capped by Visa and Mastercard, it can only apply to credit (never debit), and you must register with the card networks and post clear signage.
A handful of states restrict or prohibit surcharging, and the rules change, so compliance takes care. That's why Velocity usually recommends a cash discount / dual pricing program instead — it offsets the same cost, applies to credit and debit, isn't capped, and is easier for staff and customers to understand.
Either way, Velocity sets up compliant signage, receipts, and terminal configuration so you stay on the right side of the rules.
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