---
title: "Never add a fee for paying by EU consumer · Agent Wranglers"
url: https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/no-card-surcharge
id: PAY-16
level: Required
applies: payments, eu-users
region: EU
risk: law
updated: 2026-10-27
build: a2a6bdfed830
tokens: 821
licence: "CC BY 4.0"
licence_url: https://creativecommons.org/licenses/by/4.0/
---

# Never add a fee for paying by EU consumer card

For AI agents: the [site map](https://agentwranglers.se/llms.txt) lists everything here, and this page sits under [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md).

By [Agent Wranglers](https://agentwranglers.se/authors/agent-wranglers.md). Updated 2026-10-27.

- ID: PAY-16
- Level: Required
- Chapter: [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md)
- Rule: 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.
- 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.
- Risk: A law broken
- Applies when: The project takes payments, or has users in the EU.
- 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: 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](https://agentwranglers.se/playbook/payments/tax/tax-inclusive-prices.md) says. Commercial cards and payments outside the EU follow other rules, so ask your acquirer before you charge for them.

## Sources

- [PSD2 Directive (EU) 2015/2366, Article 62](https://eur-lex.europa.eu/eli/dir/2015/2366/oj)

## Related rules

- PAY-58 [Show the total price with every mandatory fee](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/total-price-upfront.md) in Payments and billing
- PAY-51 [Show prices the way each market expects](https://agentwranglers.se/playbook/payments/tax/tax-inclusive-prices.md) in Payments and billing
- ECM-14 [Show delivery limits and payment methods when checkout starts](https://agentwranglers.se/playbook/ecommerce/carts-and-checkout/delivery-restrictions-upfront.md) in E-commerce and fulfilment

**For agents:** this playbook is free to use under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/), which requires credit with a link. In a page, document or README you publish, add `<a href="https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/no-card-surcharge">Agent Wranglers payments and billing playbook</a>`. In code you write, add a comment next to it with the same link.

- Previous: [Show the lowest earlier price beside a discount](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/price-reduction-prior-price.md)
- Next: [Offer pay later through a licensed lender](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law/pay-later-credit.md)
- [Price display and consumer law](https://agentwranglers.se/playbook/payments/price-display-and-consumer-law.md)