Questions before adding a card surcharge

Read the official guidance

The New Jersey Attorney General’s FAQ explains state surcharge limits and disclosure expectations. Confirm the current requirements for your own implementation.

Check actual costs

Do not assume an arbitrary percentage is permitted. Ask the processor to explain the applicable actual-cost calculation and network restrictions.

Review the whole flow

Discuss how prices and any surcharge are displayed before purchase, including receipts and different sales channels. Debit treatment needs particular care.

Get implementation reviewed

Have qualified advisers and the provider review the proposed setup. This guide and calculator do not determine legal compliance.

Keep the conversation grounded.

Merchant education and enquiries handled through Process Rite’s existing form. Availability, pricing, approval, funding, and contract terms require written confirmation. No guaranteed savings.

NJ Attorney General: credit-card surcharge FAQ ↗

Official source for related background. The practical workflow suggestions above are original editorial guidance, not government endorsement.