Set Up Surcharging or a Cash Discount — by Processor
Each processor automates part of the math (cap, debit exclusion, receipt line). None of them certify that your state allows surcharging. Pick your processor to see exactly what you still must do.
How to Enable a Credit-Card Surcharge or Cash Discount
Square supports both a card-surcharge program and a cash-discount program in eligible US states. What Square automates for you, what state law still requires, and the setup pattern to follow.
Read guideHow to Enable a Credit-Card Surcharge or Cash Discount in
Clover (Fiserv) supports surcharge and cash-discount programs through its app marketplace and settings. What Clover automates, what your state still requires, and the setup pattern.
Read guideHow to Add a Credit-Card Surcharge or Cash Discount
Stripe supports surcharging for eligible US merchants via its surcharge APIs. What Stripe calculates for you, what state law still requires, and the integration pattern.
Read guideHow to Use a Cash Discount or Surcharge with Toast (2026)
Toast, built for restaurants, centers on a cash-discount (dual-price) model, with surcharging available in some configurations. What to set up and the state-law gate.
Read guideHow to Add a Credit-Card Surcharge or Cash Discount on
Shopify merchants can recover processing cost via cash discount universally, and in some US configurations via surcharge where state law allows. What Shopify supports and the setup pattern.
Read guideHow to Enable a Credit-Card Surcharge or Cash Discount in L
Lightspeed (Retail and Restaurant) supports surcharge and cash-discount configuration. What it automates, what state law still requires, and the setup pattern.
Read guideThe rule that never changes
Whatever processor you use: cap the fee at the lower of 3% (Visa) / 4% (Mastercard) or your actual cost, never surcharge debit cards, give ~30 days’ notice, disclose before payment, post signage, and print a separate receipt line. Confirm your state first.
Educational content, not legal advice. Cashbizly is an independent educational resource. Nothing here is personalized legal advice and it does not replace a licensed attorney or your state’s Attorney General.
Our state-by-state status reflects the consensus of published 2025–2026 compliance guides (card-network rules, LawPay, Stax, NCSL) as of the “last verified” date on each page. Surcharge law changes frequently and is actively litigated — always confirm current figures with your state Attorney General or a professional. Read our full disclaimer.