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Visa Updates U.S. Surcharge Rules

AscentZeroCostPayment ProcessingInterchange

Visa has reduced maximum amount merchants can charge to 3%

Visa has announced updates to its rules regarding surcharging consumers. Surcharge is defined as a fee that a merchant adds to the cost of a purchase when a customer pays for services with a credit card.

In the U.S., effective April 2023

  • Visa has reduced the maximum amount merchants can charge for credit card surcharge from 4% to 3%.
  • The merchant is no longer required to notify Visa 30 days before they start surcharging. The merchant still must notify their acquirer and MasterCard.

It's worth noting that all other surcharging rules remain unchanged. If you're looking for ways to offset processing fees, Ascent offers a compliant surcharge solution (AscentZeroCost) and can help you with other ways to reduce your payment processing costs.





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