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Processing guide

Surcharging and Cash Discounts: What to Check First: a plain-English guide.

Some owners add a card surcharge or offer a cash discount to offset processing costs. Rules differ by state and card network.

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Updated2026
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The basics

Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.

Know the rules

Surcharging is restricted or capped in some places.

Disclose clearly

Signage and receipts matter.

Understand the impact

Customers notice price differences.

Ask first

Talk to us and your accountant before turning anything on.

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What it means for your business

This is general information, not legal advice. Check your state and card network rules.

As explained by Merchant Fund Express. Updated 2026.

Common questions

Where can I get help with this?

Call (305) 384-8391. We explain it in plain English and review your statement for free.

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