Credit Card Surcharge & Compliance

Visa conducts regular compliance reviews.
If any of the following violations are identified, the restaurant may face significant fines or account risk:

• Non-compliant credit card surcharges
• Improper minimum purchase amount settings
• Incorrect cash discount or pricing display practices

Key Compliance Guidelines

Minimum Purchase Amount

• Debit Cards: Minimum purchase amounts are NOT allowed
• Credit Cards: Minimum purchase amount may not exceed $10

Cash Discount

• Menus and pricing must display the credit card price
• Customers may receive a discount when paying with cash
• ❌ Displaying a cash price and adding an extra charge for credit cards
  is considered a surcharge and is not allowed

Credit Card Surcharge

• Surcharges do not apply to debit cards
• May be charged as a flat amount or a percentage
• Maximum surcharge may not exceed 3% of the transaction amount
• Clear signage must be posted at the restaurant entrance and point of sale

States Where Credit Card Surcharges Are Prohibited

• Massachusetts (MA)
• Connecticut (CT)
• Maine (ME)
• Oklahoma (OK)

Other Fees

• Convenience Fee
  • Only permitted for payments made through third-party platforms
    (such as BeyondMenu Online, Uber Eats, DoorDash)
• Service Fee
  • Only allowed for government agencies, hospitals, schools, and other public institutions