Agent WranglersPAY-16Required EU law
Never add a fee for paying by EU consumer card
Never add a charge for paying with an EU consumer card or a SEPA transfer or direct debit. Build the payment cost into the price instead.
Region
European Union (EU). The duty comes from the law there. The rule applies only when the project serves people there, and its Applies when also holds.
How to do it
Article 62(4) of PSD2 forbids charges for payment instruments whose interchange fees are capped by Regulation (EU) 2015/751. That covers most consumer debit and credit cards issued in the EU. It also covers SEPA credit transfers and direct debits. Article 62(5) lets member states forbid or limit other surcharges too. A fee that appears only on the payment step also breaks the final price shown, as Show prices the way each market expects says. Commercial cards and payments outside the EU follow other rules, so ask your acquirer before you charge for them.
How to check
Test checkouts with an EU consumer card, a SEPA transfer and a SEPA direct debit each show the cart total on the payment step. A search of the price code finds no fee keyed on payment method for these methods.
Sources
Related rules
- PAY-58 Show the total price with every mandatory fee in Payments and billing
- PAY-51 Show prices the way each market expects in Payments and billing
- ECM-14 Show delivery limits and payment methods when checkout starts in E-commerce and fulfilment
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