Surcharge

We’re the leading experts, and now we’re sharing our knowledge by translating a complex and evolving picture into actionable insights for every state.

We Have the Card Brand Rules Covered

To pass on the credit card fee, merchants have to comply with the contractual rules required by the card brands (such as Visa and MasterCard) as a condition of accepting their cards. WOW Payments is a turnkey solution and automatically has you covered.

The Rule

Our Solution

The merchant must be registered with the card brands.

Our team completes each registration on your behalf.

The merchant must inform their customers of the credit card fee with appropriate signage at the store entrance (if applicable) and at the point of sale.

Our team provides you with all necessary signage, keeping customers informed—and keeping you compliant.

The amount of the credit card fee must not exceed 4%, and the merchant must not profit from the credit card fee.

Our solution passes on a 4% credit card fee. You receive 100% of your sale—no more or less.

The credit card fee and the price of the product or service must be processed together as one transaction.

Our solution processes the credit card fee and the purchase amount as one transaction.

The receipt must show the amount of the credit card fee as a separate line item.

Our solution produces a receipt that itemizes the credit card fee.

The merchant must not apply a fee to debit cards.

Our solution automatically detects when a debit card is entered and applies no fee.

States We Serve

WOW is available

WOW is available and additional terms apply.

Click the state to learn more.

WOW is not yet available.

Check back soon.

See more detail for these states:

Following the March 2015 decision in Italian Colors Restaurant v. Harris, merchants can now use WOW in California.

Yes, California businesses can use WOW.

No, Colorado businesses cannot currently use WOW. New states continue to open to us, so check back soon.

No, Connecticut businesses cannot currently use WOW. New states continue to open to us, so check back soon.

Following the November 2015 decision in Dana’s Railroad Supply v. Bondi, merchants can now use WOW in Florida.

Yes, Florida businesses can use WOW.

No, Kansas businesses cannot currently use WOW. New states continue to open to us, so check back soon.

Yes, Maine businesses can use WOW, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

No, Massachusetts businesses cannot currently use WOW. New states continue to open to us, so check back soon.

WOW is available. Minnesota requires that the customer be informed of the credit card fee with signage at the store entrance (if applicable) and orally at the time of sale.

Yes, Minnesota businesses can use WOW.

Yes, New York businesses can use WOW, so long as they disclose the Credit Card Price in dollars and cents whenever they post or quote their prices.

No, Oklahoma businesses cannot currently use WOW. New states continue to open to us, so check back soon.

Following the August 2018 decision in Rowell v. Paxton, merchants can now use WOW in Texas.

Yes, Texas businesses can use WOW.

Following the March 2015 decision in Italian Colors Restaurant v. Harris, merchants can now use WOW in California.
Yes, California businesses can use WOW.

Zero cost on credit cards. Simple, transparent pricing.

When customers choose a credit card, they also cover the fee.

At the time of purchase, WOW Payments informs the customer of the fee amount, and always gives the option to pay with a no-fee method. You receive 100% of the amount of your sale.

When customers choose a debit card, they pay no fee, keeping you compliant.

Your customers always have a no-fee payment option. To comply with the rules, WOW Payments automatically detects when a debit card is entered and applies no fee. You pay only the low cost of debit card acceptance.

Frequently Asked Questions

In general, no, because they list the cash price and add a fee at the point of sale.

Most “cash discount” programs are non-compliant, because they list the cash price on the shelf and then mark it up at the point of sale.

When you add a fee to a listed price, you must comply with the card brand rules, and must not apply the fee to a debit card.

A compliant cash discount would show the “credit card price” alongside the “cash price” with equal prominence whenever prices are posted or quoted.

See a compliant example.

Almost all “cash discount” programs fail to meet these requirements, risking fines from the card brands and state attorneys general.

Yes, they are eligible for the “service fee” program.

Still have questions? We’re happy to help.

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