*Currently, this is being slowly rolled out in offerings to new merchants. For now any inquiries should still be directed to Dual Pricing as an option!

Signage Requirements

Card brands require specific compliant signage to be posted at all points of entry (front doors) and at all checkout counters before a merchant begins surcharging. This is the merchant’s responsibility, and Quilt should not enable surcharging until signage is confirmed.

Signage must be posted at every point of entry and checkout counter.
Signs must include the surcharge percentage, clarify that debit/cash are not subject to the surcharge, and meet card brand font/size requirements.
Signage must meet certain size and font requirements. Card Brand signage requirements can be found here.
Example compliant signage is included in the Surcharge Welcome Packet sent to merchants at sign-up.

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Warning: First violation for non-compliance is $1,000 fine from the card brand. Second violation is $5,000 and repeat violations can result in fines up to $25,000 or loss of ability to process payments for that brand. There is no appeal process.

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Consumer Disclosure

Prior to completing a transaction, the terminal must display the order total along with the surcharge percentage and surcharge amount that will be assessed if a credit card is used. The consumer must be given the opportunity to see and acknowledge this before authorization. The terminal handles this automatically.

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Note: ****Surcharge must also appear as a separate line item on all receipts and order forms, clearly labelled. The final total displayed must include the surcharge amount. This should all be handled automatically.

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Enabling Surcharging

Surcharging is disabled by default for all merchants. It can only be enabled by an onboarder. Once enabled, the merchant can configure and turn on/off surcharging as needed.

Enabling in the Payment Portal

Surcharging is configured on the merchant’s Profile page in the Payment Portal. Once the toggle is enabled, the following configuration fields will be available and required:

Welcome Packet

When a surcharging opportunity is closed in Salesforce, a brand-specific merchant-facing ‘Get Started’ guide (the Surcharge Welcome Packet) is automatically sent to the Contact listed on the opportunity when it is marked as Closed Won. The packet includes compliant signage examples, disclosure requirements, and setup guidance. Onboarders can resend the packet if needed.

A Quilt-Branded example of that packet can be found here (Only the Brand-specific packet should be distributed)