Credit Card Surcharging

It is possible to add a percentage-based surcharge on to all credit card transactions (debit and pre-paid cards are exempt from surcharging).

If You Choose to Surcharge

For those who would like to offer surcharges, these are the limitations:

  1. Some states have laws prohibiting or limiting surcharging. The prohibition applies to where your organization is located and not where your customers are from. We recommend checking your local and state laws to confirm your eligibility to surcharge. Clients operating in those locations should not surcharge.
  2. Debit cards and Prepaid cards must be exempted from surcharges. UltraCamp automatically checks the BIN data of every card that goes through our system and exempts these cards from surcharges.
  3. Surcharging is at the brand level, which means you surcharge for all credit cards that you accept. You cannot pick and choose the cards you want to surcharge. The accepted credit card types in UltraCamp that you can use are Visa, Mastercard, Discover, and American Express.
  4. The maximum amount that you can set your surcharge is 3%.

Visa Surcharge Rules

You must notify your merchant account provider and they will notify Visa on your behalf. You must notify at least 30 days before implementing a surcharge.

More information can be found at https://usa.visa.com/support/small-business/regulations-fees.html#2

MasterCard Surcharge Rules

Clients must notify Mastercard that they intend to surcharge at least 30 days in advance of starting to surcharge. This is your obligation to complete on your own, UltraCamp cannot register for you. The current link is:

Mastercard: https://www.mastercard.us/en-us/surcharge-disclosure-webform.html

AMEX Surcharge Rules

American Express does not require the submission of a formal notice.

Discover Surcharge Rules

You must notify your merchant account provider and they will notify Discover on your behalf. You must notify at least 30 days before implementing a surcharge.

 

This information is accurate as of February 2024 and is subject to change by the card brands at any time.

 

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