A: Yes, it is legal for a business owner to charge a fee for using a credit card, but there are specific regulations and rules that must be adhered to. This practice is known as a surcharge. Commerce Solutions advises that business owners clearly communicate any surcharge fees to their customers prior to the transaction. Additionally, the fee charged should not exceed the cost incurred by the business for processing the credit card payment. It's also important to note that different states and countries may have varying laws and restrictions regarding surcharges, so it's essential to stay informed about local regulations. At Commerce Solutions, we can assist you in understanding and implementing credit card surcharging in a way that complies with all applicable laws and best practices. The Durbin Amendment was passed by Congress in 2012 to help the American small business owner lower cost and increase cash flow.