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Charging for credit card processing?

 8:02 pm on Oct 18, 2005 (gmt 0)

I'm a small designer and normally only accept US mailed checks for my services. I'd like to expand my options and have had a PayPal acct for a while now. Is it "unethical" (for lack of a better word) to add a Credit Card processing fee to those of my clients who want to use their cards? Just wondering others opinions.



 8:40 pm on Oct 18, 2005 (gmt 0)

Wouldn't it be better to simply do business the way the bulk of the credit card accepting world does business ... simply set your overall pricing at an appropriate level, which is the level that will cover your expenses and a reasonable profit.


 10:29 pm on Oct 18, 2005 (gmt 0)

If you are processing your own credit cards then your merchant account contract will specifically say that charging a fee for using a credit card will get your account cancelled..

Just raise your prices 5% and forget about the charge..



 1:16 am on Oct 25, 2005 (gmt 0)

Yeah, be careful there. I know you mentioned PayPal, and I am not sure about their policy, but my merchant account specifically forbids us from the practice of upcharging for credit card transactions.


 4:05 pm on Oct 25, 2005 (gmt 0)

From Paypal's User Agreement in the section entitled "No Surcharges":

No Surcharges. Under Visa, MasterCard, Discover and American Express regulations and the laws of several states, including California, merchants may not charge a fee to the buyer for accepting credit card payments (often called a "surcharge"). You agree that you will not impose a surcharge or any other fee for accepting PayPal as payment. This restriction does not prevent you from imposing a handling fee in connection with the sale of goods or services, as long as the handling fee does not operate as a surcharge (in other words, the handling fee for transactions paid through PayPal may not be higher than the handling fee for transactions paid through other payment methods).

Here is a link to their Payments Policy:


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