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Compliancy

The Nation’s #1 Dual Pricing & Surcharging Platform.

Dual Pricing & Surcharging States

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Is Surcharging Legal?

Surcharging

Surcharging is rapidly gaining approval throughout the United States. Originally, there were a total of 10 states that banned surcharging, but as of 2024, only Connecticut, Maine, Massachusetts, and New York do not allow merchants to apply a surcharging fee. Colorado and Oklahoma allow merchants to apply a surcharge at a maximum of 2%. California allows only restaurant merchants to apply a surcharge.

How Does Surcharging Work?

  • Signage must be posted at the entrance as well as the Point-of-Sale
  • Signage must state:
    • Exact amount or percentage of the Surcharge
    • Statement that a Surcharge is being assessed by the merchant
    • Surcharge is only assessed on credit card transactions
    • Surcharge is not greater than the MDR
  • Merchant must be registered with Mastercard 30 days before processing
  • Along with the merchant application, the merchant must also execute the Merchant Attestation

Why Choose Swipe4Free?

100% Compliant

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Businesses that join Swipe4Free see an immediate increase in profit as a result of the savings from eliminating their processing bill. These savings are being used to cover payroll increases as a result of minimum wage hikes, rent and utility increases, increases in cost of merchandise, and much more.

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“My terminal clearly shows the cash price and card price making it easier for me and my customers to see the savings when paying with cash. If a customer purchases $10 worth of goods, I receive $10. This is one amazing service and it’s completely free for merchants!”
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“My family’s cost of living was going up and I needed to increase the amount of money I took home. Swipe4Free allowed me to instantly increase my profits and cover my family’s overhead.”
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“Thanks to Swipe4Free. I’m able to manage higher minimum wage laws for my employees without having to reduce their hours or downsize my staff.”
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“Food & labor costs are constantly increasing. Swipe4Free helped us recover those increased costs by eliminating our credit card processing fees instantly.

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