1. •Discount Program
•Surcharge
*Many additional states allow the discount program, but do not have a law specifically outlining such.

2.  Merchant must calculate the fee utilizing a percentage rate at the point
of sale
 Merchant is still charged traditional processing fees
 Numerous compliance guidelines to follow with Visa/MasterCard
 Many states have very strict regulations in regards to income from
surcharging.
 Prohibited in many states:
 California
 Colorado
 Connecticut
 Florida
 Kansas
 Maine
 Massachusetts
 Minnesota
 New York
 Oklahoma
 Texas

3.  Service Fee to the customer is a set amount
 There are no transaction charges to you.
 Eliminates normal processing fees for the merchant
 These states have created specific laws allowing a
discount program
 California
 Colorado
 Connecticut
 Maryland
 Massachusetts
 Nevada
 Washington
 Wisconsin
 Wyoming
 Texas