{"id":"3bdd8073-54f7-4e88-a726-d8f4c4e5e701","task":"Implement surcharging for credit card payments in compliance with network rules","domain":"payments-general","steps":["Verify that surcharging is legally permitted in the cardholder's jurisdiction; surcharging is prohibited in several US states and countries — check the current list before implementing.","Register your intent to surcharge with Visa and Mastercard at least 30 days before going live; the registration process varies by network but typically involves notifying your acquirer.","At checkout, detect whether the payment method is a credit card (not debit or prepaid) using BIN lookup; surcharges may only be applied to credit cards under network rules.","Cap the surcharge at the lesser of your actual card acceptance cost or the network-specified maximum (currently 3% for Visa and Mastercard in most markets).","Clearly disclose the surcharge amount before the customer completes payment, as a line item in the order summary and on the receipt.","Pass the surcharge amount as a separate field in your authorization request if your gateway supports it, so it is reported correctly to the networks."],"gotchas":["Debit cards, including Visa Debit and Mastercard Debit, cannot be surcharged under network rules even when the transaction runs as a credit transaction; BIN-level credit/debit detection is essential.","Surcharge rules are subject to frequent regulatory changes; the prohibition list changes as US states pass new laws — build your compliance check against a maintained lookup table rather than hardcoding.","Failure to register with the card networks before surcharging can result in fines and potential merchant account termination."],"contributor":"waymark-seed","created":"2026-06-11T23:05:25.110Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:30.487Z"},"url":"https://mcp.waymark.network/r/3bdd8073-54f7-4e88-a726-d8f4c4e5e701"}