Nevada surcharge: 3% on credit cards only
The CMS Surcharge in Nevada is 3% on credit cards only, never debit or prepaid. You keep cash prices the same, the surcharge is clearly disclosed and stays within card-brand rules and Nevada law, and CMS Card Services confirms signage and receipt wording before go-live.
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What customers see
3% on credit cards only, never debit or prepaid. Clearly disclosed and within card-brand rules and Nevada law.
The Nevada surcharge rules in plain language
The CMS Surcharge is 3% on credit cards only, never debit or prepaid. In Nevada it must be clearly disclosed (posted at the entrance and point of sale and shown on the receipt) and stay within card-brand rules and Nevada law.
- 3% on credit cards only — never debit or prepaid
- Within card-brand rules and Nevada law
- Signs at the entrance and the point of sale
- Surcharge itemized on the receipt
- CMS Card Services confirms setup before activation
Nevada’s Deceptive Trade Practices law (NRS Chapter 598) also prohibits misleading pricing, so customers should never be surprised by a fee at the register. This is general information, not legal advice. Rules can change; CMS Card Services confirms current requirements during enrollment.
Flat Rate & Cash Discount
Your review shows estimated monthly impact beside Flat Rate and Cash Discount so you pick the option that keeps more. Cash Discount uses about 3.5% off card-inclusive posted prices — a different program and a different customer experience than surcharge.
Plain disclosure and CMS confirmation
Guests should never be surprised. Signage and checkout wording explain when eligible credit includes a surcharge, and staff should know debit and prepaid stay at the cash price. CMS Card Services confirms your signage, receipt wording and state and card-brand requirements before anything goes live.
Hospitality and restaurant operators with a high share of credit cards often compare surcharge first, because cash and debit prices stay familiar for locals and visitors. Retail and service businesses across Henderson, Reno and the rest of the state compare the same way: estimate monthly impact, confirm disclosures, then enroll only if the numbers and guest experience both fit.
Flat Rate remains available if surcharge is not the best fit. Cash Discount is a separate program with card-inclusive posted prices and a cash/check discount — never a renamed surcharge.
Surcharge vs Cash Discount in Nevada
Same state, different rules and different guest experience — do not mix the labels.
- Surcharge — Cash price stays the same; credit cards carry a disclosed 3% surcharge; debit and prepaid never surcharged.
- Cash Discount — Posted shelf or menu price is card-inclusive; cash and check get about 3.5% off; not a surcharge; posting confirmed before go-live.
- Flat Rate — One blended rate for card sales when you prefer not to change how customers see prices at all.
See the full table on Which fits? or browse merchant services in Las Vegas.
See your Nevada surcharge estimate
Already taking cards? Start with CMS Statement Review — Upload · Compare · Save. New or ready to enroll with Nevada in mind? Open Get Started with surcharge prefilled.
CMS confirms your setup
Operating state, the 3% surcharge on credit cards, and plain disclosures are confirmed before activation. Debit and prepaid stay out of the surcharge entirely.
Nevada merchants: (725) 261-7060
What merchants usually ask
Is credit card surcharging allowed in Nevada?
Yes, with conditions. The Nevada Attorney General says surcharges are legal when merchants follow the guidelines, including clear signs at the entrance and point of sale and the surcharge shown on the receipt. Card-brand rules also apply. The CMS Surcharge is 3% on credit cards only, never debit or prepaid. This is general information, not legal advice.
How much is the CMS Surcharge in Nevada?
The CMS Surcharge is 3% on credit cards only, never debit or prepaid. It must be clearly disclosed and stay within card-brand rules and Nevada law, and CMS Card Services confirms your setup 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 card-inclusive price and gives cash and check about 3.5% off. They are separate programs with different rules.
Will my debit customers pay a surcharge?
No. Debit and prepaid cards are never surcharged under the CMS Surcharge Program. Only credit cards carry the disclosed 3% surcharge.
What do Nevada customers need to see?
Clear notice before they pay: signs at the point of entry and the point of sale that explain the surcharge, and the surcharge itemized on the receipt. CMS Card Services walks through signage and register wording before anything goes live.