In the past, we have asked whether it is possible to charge a convenience tax for ACH payments. For this update, we spent some time researching this issue, but we could not find a definitive answer. Most ACH payments are made via The Nacha ach network. But unlike credit card networks, Nacha gave no guide on convenience fees. From what we can tell, different government and federal laws (if you are in the United States) could regulate the convenience fees for ACH payments. This means that the rule may not be uniform. Details of Visa`s comfort rules can be found in the basic visa rules and visa products and services rules on visa website. Section 5.6.2 deals with comfort charges, which were last amended in 2020. But first, we need to clarify the difference between convenience fees and supplements. It is also important to note that credit card comfort fees differ from credit card surcharges. In practice, convenience fees seem to apply most often to payments such as utilities, rent, registration fees, government fees (. B for example vehicle registration taxes) and even taxes.

All of these fees are usually payable by cheque or personal, so online payment with a credit card is very obvious extra comfort. If you want to charge a convenience tax, make sure you do it the right way. Each credit card company has its own rules, and they encourage all merchants to talk to their card buyer if they are considering adding a convenience tax. In fact, it seems you can`t find the exact amount you can recharge without working with your processor. Below, we implement the rules by walking Visa, Mastercard, Discover and American Express, so you can get a better idea of what you need to do to calculate a comfort fee. The only thing consumers can do to avoid legitimate convenience charges is to pay through the standard payment channel or stop dominating the merchants who charge the fees. However, consumers should always be looking for supplements by checking receipts and paying attention to the checkout line. In appearance, it is very difficult to charge customers a convenience fee, especially if they accept visas. Can companies limit the amount of the dollar that can be paid by credit card? For example, only bills less than $1,000 can be paid by credit card and anything that needs to be paid beyond that must be paid in cash or in cheque? If you don`t have enough time, you can click here to skip the convenience fee guidelines and go straight to the section explaining if your company can charge customers. Many merchants have slowly increased their prices to absorb the cost of credit card fees, but this is the „hidden“ method of charging fees. These traders „should“ then offer a „discount“ for people who pay in cash.

„We believe that recharging credit card purchases is detrimental to consumers,“ Faust said. „It`s not a user-friendly practice for a merchant to first lure a customer into their store or website, and then punish the customer for using a tax or credit card that the merchant accepts.“ Supplements are also illegal in 10 states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas, as well as the U.S. territory of Puerto Rico.