February 20, 2026 | Edward Ip Disclosure: POSadvice.com may earn a referral fee if you purchase through links on this page. This does not affect our independent reviews or rankings.\n\n💳 Pricing • August 2023Credit Card Surcharging: Can You Pass Fees to Customers?Legal in most states, smart in some situations — here’s the full breakdown4%Max Surcharge46States Where Legal2.5%Avg Savings🗺️ State Legality MapStatusStatesProhibitedConnecticut, Maine, Massachusetts, OklahomaRegulatedColorado, New York (specific rules apply)LegalAll other 44 states + DC📋 POS Surcharging SupportPOS SystemSurchargingDual PricingNotesSquare❌ Prohibited in TOS❌Square explicitly bans surchargingToast✅ Built-in✅Easy toggle in settingsClover✅ Via Fiserv✅Through surcharging programSpotOn✅ Native✅Dual pricing supportedShopify❌ Not supported❌Not through Shopify Payments🤔 Should You Surcharge?👍 Pros✅ Saves 2-3% on every card sale✅ Recovers a real cost✅ Legal in most states👎 Cons❌ Customer backlash risk❌ Perceived as “cheap”❌ May lose card-paying customers💡 Better alternative: Cash discount programs — offer a discount for cash instead of a surcharge for cards. Same result, better customer perception.📚 Related Articles → Square Raises Processing Fees: What Merchants Need to Know → Visa and Mastercard Settle: Processing Fees May Drop for Mer → How Much Does a POS System Really Cost in 2026? Complete Pri → Cloud POS for Denver Coffee Shops & Cafes: Brewing SuccPOSadvice.com — Independent ReviewsFind Your Perfect POS SystemAnswer 3 quick questions. Get free, no-obligation quotes from top providers matched to your business.Get Free Quotes →Takes 2 minutes · No spam · No commitmentRelated Reading: For a complete comparison, see our guide to the Best POS System for Small Retail Stores 2026.\n\n