California surcharge: 3% on credit cards, clearly disclosed
With a compliant CMS Surcharge Program in California, 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. 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
3% on credit cards only in California, never debit or prepaid, clearly disclosed and within card-brand and state rules. 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. The CMS Surcharge is 3% on credit cards only, never debit or prepaid, and it must stay within card-brand and state rules. California expects clear, conspicuous pricing — no hidden fees. CMS confirms your California operating location, disclosures, and program fit before anything goes live.
- 3% on credit cards 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?
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. Extra California display rules apply. 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. California pages treat them as separate programs.