Credit Card Surcharge Calculator - Free Online Fee Tool
FEE-010 · Forward & reverse · Network caps · US jurisdiction check · Client-side
Cap for Visa (credit): 3%. Effective max used in math: 3%.
US program cap commonly cited at 3% for credit surcharges (verify current Visa rules).
US selection enables the state legality checker. Outside the US, verify local law and acquirer rules.
| Network | Max cap | Applied % | Surcharge | Total | At-rate OK |
|---|---|---|---|---|---|
| Visa (credit)(selected) | 3% | 2.5% | $2.50 | $102.50 | Yes |
| Mastercard (credit) | 4% | 2.5% | $2.50 | $102.50 | Yes |
| American Express | — | 2.5% | $2.50 | $102.50 | Yes |
| Discover | 3% | 2.5% | $2.50 | $102.50 | Yes |
Run a forward calculation to populate savings. Adjust processing assumptions to match your statement.
A credit surcharge advertises a base price and adds a stated percentage for card payment. A cash discount posts a regular price and offers a reduction for non-card payment. The math can look similar, but disclosure, signage, and regulatory treatment may differ—especially for debit cards and state law.
Card network rules often require parity across Visa and Mastercard credit surcharges and clear customer notice before payment. Cash discount programs have their own posting and signage rules. Use this calculator for arithmetic; use your compliance team for program design.