Welcome to WebmasterWorld Guest from

Forum Moderators: LifeinAsia

Message Too Old, No Replies

Charging for credit card processing?

8:02 pm on Oct 18, 2005 (gmt 0)

Junior Member

10+ Year Member

joined:Feb 9, 2003
votes: 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)

Senior Member

WebmasterWorld Senior Member 10+ Year Member

joined:Dec 2, 2002
votes: 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)

New User

10+ Year Member

joined:May 6, 2005
votes: 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)

Full Member

10+ Year Member

joined:Apr 27, 2003
votes: 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)

Junior Member from US 

10+ Year Member

joined:Nov 30, 2002
votes: 1

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:



Join The Conversation

Moderators and Top Contributors

Hot Threads This Week

Featured Threads

Free SEO Tools

Hire Expert Members