CMS Surcharge: 3% on credit cards only.
The CMS Surcharge is 3% on credit cards only, never debit or prepaid, so customers who pay by credit help cover the cost of card acceptance while cash prices stay the same. The surcharge is clearly disclosed and stays within card-brand and state rules. For many merchants, this is the path to the biggest monthly savings.
What customers see
3% on credit cards only, never debit or prepaid. Clearly disclosed and within card-brand and state rules.
What business owners should know
Surcharge is a regulated program. 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. CMS confirms your operating state and program fit before anything goes live.
- 3% on credit cards only — never debit or prepaid
- Within card-brand rules and card-brand notice rules
- State law may add limits or restrict surcharge
- Clear customer disclosures are required
Upload · Compare · Save
Start a review so CMS can check eligibility for your location and show estimated monthly savings beside Flat Rate and Cash Discount. You stay on CMS pages for next steps.
Start My Review →This is general information, not legal advice. Rules can change; CMS Card Services confirms current requirements during enrollment. Nevada merchants: see Is surcharging legal in Nevada?
Last reviewed:
What merchants usually ask
Can debit cards be surcharged?
No. Debit and prepaid cards are never surcharged under any circumstances. Debit stays on the proposed Debit rate.
How much is the CMS Surcharge?
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.
Do all states allow the same surcharge?
No. Some states set their own limits or disclosure rules, and a few restrict surcharging. Use Payment Rules by State, then confirm your operating state during intake.
What does my review show?
Your review shows estimated costs offset and monthly savings with the 3% CMS Surcharge on credit cards, beside Flat Rate and Cash Discount. Your operating state and disclosures are confirmed during enrollment.