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CHARACTERISTICS OF A SUCCESSFUL PAYMENT METHOD: GOVERNANCE
Map of Global Surcharging Requirements
UNITED KINGDOM Surcharging ban applies to all card-based payments and SEPA transfers with certain exceptions.
FRANCE PSD2 default ban applies.
GERMANY Surcharging is allowed on PayPal and Sofort transactions.
CANADA Canadian merchants have the right to surcharge on credit cards with exceptions to Quebec. EUROPEAN UNION Surcharging is banned under the Second Payment Services Directive (PSD2) with certain exceptions.
NETHERLANDS PSD2 default ban applies.
ITALY Prohibited under the Legislative Decree of 2010. SPAIN Surcharging is prohibited on all transactions as per Real Decreto-ley 19/2018, article 35(3).
U.S. Federal law allows states to determine their own surcharging laws. [See section on U.S. State Surcharging Rules]
SOUTH KOREA Network Rules Apply
MEXICO Businesses are prohibited from charging additional fees on consumer credit and debit card payments.
JAPAN Network rules apply. CHINA
BRAZIL Network Rules Apply.
From our primary resources, it is not common practice for merchants to surcharge in China. SINGAPORE No government regulation against surcharging but networks have demonstrated leniency
CHILE No surcharging rules were prohibited until interchange regulation took effect.
SAUDI ARABIA Network Rules Apply.
AUSTRALIA Merchants allowed to surcharge up to cost of acceptance, but permissions currently under review. INDONESIA Network Rules Apply.
INDIA Network Rules Apply.
Some methods can be surcharged, others cannot
Network rules apply/surcharging prohibited
Guaranteed by law
Figure 1.2
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