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Get Your Compliance QuickCheck Today

Ensure your business is compliant with the latest payment processing standards by following these simple steps.

Read More Below

Get Your Compliance QuickCheck Today

Ensure your business is compliant with the latest payment processing standards by following these simple steps.

3 Keys to Compliance

Below are principles to follow in order for your business to comply with federal regulations. Read to learn more!

3 Keys to Compliance

Below are principles to follow in order for your business to comply with federal regulations. Read to learn more!

Determine Your Pricing Display

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Will cash and card prices be displayed everywhere prices are displayed?
 
  • If Yes: Dual Pricing is an option.
  • If No: Implement Compliant Surcharging (ideal for average ticket sizes of $30+).
*For small average ticket sizes, consider Interchange Plus pricing.

Evaluate Customer Needs

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Will customers need a no-fee card option? (Common with high ticket sizes)

  • If Yes: Implement Compliant Surcharging to allow customers to pay with their debit card without a fee.

Check State Regulations

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Does your state prohibit Compliant Surcharging?

Connecticut, Maine, and Massachusetts do not allow adding a surcharge to card transactions. However, compliant Dual Pricing is permitted in all three states, provided both prices are listed everywhere.

Dual Pricing Definition: Display both cash and card prices everywhere; consumers choose based on their preferred payment method.

Determine Your Pricing Display

Click For Information

Will cash and card prices be displayed everywhere prices are displayed?

  • If Yes: Dual Pricing is an option.

  • If No: Implement Compliant Surcharging (ideal for average ticket sizes of $30+).

*For small average ticket sizes, consider Interchange Plus pricing.

Evaluate Customer Needs

Click For Information

Will customers need a no-fee card option? (Common with high ticket sizes)

  • If Yes: Implement Compliant Surcharging to allow customers to pay with their debit card without a fee.

Check State Regulations

Click For Information

Does your state prohibit Compliant Surcharging?

Connecticut, Maine, and Massachusetts do not allow adding a surcharge to card transactions. However, compliant Dual Pricing is permitted in all three states, provided both prices are listed everywhere.

Dual Pricing Definition: Display both cash and card prices everywhere; consumers choose based on their preferred payment method.

1
Determine Your Pricing Display
Will cash and card prices be displayed everywhere prices are displayed?
 
  • If Yes: Dual Pricing is an option.
  • If No: Implement Compliant Surcharging (ideal for average ticket sizes of $30+).
*For small average ticket sizes, consider Interchange Plus pricing.
2
Evaluate Customer Needs

Will customers need a no-fee card option? (Common with high ticket sizes)

  • If Yes: Implement Compliant Surcharging to allow customers to pay with their debit card without a fee.
3
Check State Regulations

Does your state prohibit Compliant Surcharging?

Connecticut, Maine, and Massachusetts do not allow adding a surcharge to card transactions. However, compliant Dual Pricing is permitted in all three states, provided both prices are listed everywhere.

Dual Pricing Definition: Display both cash and card prices everywhere; consumers choose based on their preferred payment method.

3 Steps to Compliance

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Understand Key Concepts

Understand Key Concepts

What is Compliant Surcharging?
  • Add a surcharge only to credit card transactions.
  • Requires a BIN Lookup to distinguish between credit and debit cards.
  • Disclose the fee at the point of entry and point of sale.
  • Ensure the surcharge does not exceed 3%
What is a BIN Lookup?
  • A BIN Lookup is essential to identify if a card is a debit or credit card based on the first 6 to 8 digits of the card number.
  • Running a debit card "as credit" does not make it eligible for a surcharge.
  • Compliant surcharging technology must perform a BIN Lookup to apply the fee only to credit card transactions.

What is Dual Pricing?

Display both cash and card prices everywhere; consumers choose based on their preferred payment method.

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Understand Key Concepts

What is Compliant Surcharging?

  • Add a surcharge only to credit card transactions.
  • Requires a BIN Lookup to distinguish between credit and debit cards.
  • Disclose the fee at the point of entry and point of sale.
  • Ensure the surcharge does not exceed 3%

What is a BIN Lookup?

  • A BIN Lookup is essential to identify if a card is a debit or credit card based on the first 6 to 8 digits of the card number.
  • Running a debit card "as credit" does not make it eligible for a surcharge.
  • Compliant surcharging technology must perform a BIN Lookup to apply the fee only to credit card transactions.

What is Compliant Surcharging?

(click to flip)

  • Add a surcharge only to credit card transactions.
  • Requires a BIN Lookup to distinguish between credit and debit cards.
  • Disclose the fee at the point of entry and point of sale.
  • Ensure the surcharge does not exceed 3%

What is a BIN Lookup?

(click to flip)

  • A BIN Lookup is essential to identify if a card is a debit or credit card based on the first 6 to 8 digits of the card number.
  • Running a debit card "as credit" does not make it eligible for a surcharge.
  • Compliant surcharging technology must perform a BIN Lookup to apply the fee only to credit card transactions.

What is Dual Pricing?

(click to flip)

Display both cash and card prices everywhere; consumers choose based on their preferred payment method.
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