California surcharge: clear disclosures, eligible credit covered
With a compliant CMS Surcharge Program in California, you keep cash prices the same. Eligible credit purchases can include a clearly disclosed surcharge — typically up to 3% under network and state caps — so processing cost is not coming entirely out of your pocket. California focuses on honest, upfront pricing: customers must see any credit-card vs. other price difference before they pay. Debit and prepaid are never surcharged.
What customers see
CMS proposes up to 3% on eligible credit in California (percentage only). Extra disclosure rules apply — CMS confirms how prices are shown before go-live.
What California business owners should know
Surcharge is a regulated program, not a blank check. It applies to eligible credit cards only. It cannot include profit beyond cost of acceptance, and it cannot exceed network or state limits. California expects clear, conspicuous pricing — no hidden fees. CMS confirms your California operating location, disclosures, and program fit before anything goes live.
- Eligible credit only — never debit or prepaid
- Clear customer disclosures required (California emphasis)
- 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 California?
Yes — Available after CMS review of disclosures. California allows a credit-card surcharge when customers see any price difference up front — no hidden fees. Debit and prepaid are never surcharged.
What is the CMS surcharge amount in California?
CMS proposes up to 3% on eligible credit (state- and network-capped). Extra California display rules apply. Your approved rate and disclosures are confirmed during enrollment — not guessed from a generic map.
Is surcharge the same as cash discount?
No. Surcharge keeps cash prices the same and adds a disclosed amount on eligible credit. Cash Discount posts a higher card-inclusive price and gives cash/check a discount. California pages treat them as separate programs.