A payment card surcharge, also known as a checkout fee, is an additional fee that U.S. merchants can add to a consumer's bill when he or she uses a credit card for payment, which matches the merchant's interchange fees. It is prohibited in 10 states and has a 4% cap. Merchants must notify their credit card companies at least 30 days prior to implementing the surcharge and must disclose the fee to consumers at the at the point of entry (through signage) and at the point of sale (on the receipt).
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Cash discounts are legal in all states and allow you to provide customers with an incentive to pay with cash, through offering a discount off the regular price, when making cash purchases at the time of the sale. All customers who do not pay with cash do not receive this discount at the time of the sale. Customers must be disclosed about cash discounts at the at the point of entry (through signage) and at the point of sale (on the receipt).
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Merchant Fee Programs Reporting
Info on surcharges and transactions where a cash discount was not provided at the time of sale, will be displayed in the Merchant Fee Programs Report and Z Report.
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