Arizona surcharge: 3% on credit cards only
With a compliant CMS Surcharge Program in Arizona, you keep cash prices the same. Credit card purchases carry a clearly disclosed 3% surcharge, within card-brand and state rules, so processing cost is not coming entirely out of your pocket. Debit and prepaid are never surcharged. CMS confirms current Arizona regulation and availability at enrollment before anything goes live.
What customers see
3% on credit cards only in Arizona, never debit or prepaid, clearly disclosed and within card-brand and state rules. Debit and prepaid stay out of the surcharge entirely.
What Arizona business owners should know
Surcharge is a regulated program, not a blank check. The CMS Surcharge is 3% on credit cards only, never debit or prepaid, and it must stay within card-brand and state rules. Customers must see clear disclosures at the point of sale. Arizona needs a fresh CMS check — we confirm state, card-brand, and program rules for your location before presenting surcharge as available.
- 3% on credit cards only — never debit or prepaid
- Clear customer disclosures required
- Separate from Cash Discount (different rules)
- Flat Rate remains Available if surcharge is not the best fit
Flat Rate & Cash Discount
Your review shows estimated monthly impact beside Flat Rate and Cash Discount so you pick the option that keeps more — not a one-size pitch.
What merchants usually ask
Is credit card surcharge Available in Arizona?
Yes — Available after a fresh CMS review. Arizona merchants can run the 3% CMS Surcharge on credit cards (never debit or prepaid) when pricing is shown clearly and card-network rules are followed. CMS confirms current state and program rules at enrollment — we do not assume yesterday’s rule still applies. Debit and prepaid are never surcharged.
What is the CMS surcharge amount in Arizona?
The CMS Surcharge is 3% on credit cards only, never debit or prepaid. It must be clearly disclosed and stay within card-brand and state rules. Your disclosures are confirmed during enrollment.
Is surcharge the same as cash discount?
No. Surcharge keeps cash prices the same and adds a disclosed 3% on credit cards only, never debit or prepaid. Cash Discount posts a higher card-inclusive price and gives cash/check a discount. Arizona pages treat them as separate programs.