Fix how prices are displayed
Make the posted price and receipt agree.
Merchant compliance center
Cash discount compliance, made clear.
Practical guidance backed by Visa, Mastercard, and federal sources.
Credit only
Surcharges exclude debit and prepaid.
30 days
Advance acquirer notice.
Source-led
Every rule links to its publisher.
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Primary-source summary
What the published rules say
Cash discount
The regular price cannot be increased later.
Federal law defines a discount as a reduction from the regular price and excludes methods that increase that regular price.
15 U.S.C. § 1693o-2 ↗Price display
Show the card price, or both prices.
Visa says cash-discount pricing should show the card price alone or card and cash prices side-by-side.
Visa U.S. Merchant Q&A ↗Surcharge controls
Notice, card type, rate, and disclosure matter.
Visa requires 30-day acquirer notice, credit-card-only treatment, applicable rate limits, and disclosure at entry, checkout, and on the receipt.
Visa U.S. Merchant Q&A ↗Enforcement
Visa describes active enforcement.
Visa cites consumer complaints, yearly mystery shopping, and an immediate US $1,000 fine to the acquirer of a merchant identified as surcharging improperly.
Visa U.S. Merchant Q&A ↗