⚠️ Warning! Passed merchant fees might be breaking the law
Trying to offset your merchant card costs by adding a flat 3% fee at checkout?
While passing credit card fees is legal in some states with strict rules, surcharging a DEBIT card is illegal across all 50 states under federal law.
It doesn't matter if they run it "as credit." If the card networks catch you, they can blackball your business instantly.
Always seek the advice of a bookkeeping or tax pro, whichever is most appropriate, for your specific business situation.