PROS

• Surcharging can help your bottom line
• Eliminates or minimizes credit card processing fees
• Still allows your customers to pay with credit cards
• Cash payments can reduce your customer’s bill
• Acceptance is improving among card holder

CONS

• Illegal in some states
• Potential fees/fines for non-compliance
• Not able to surcharge debit or prepaid cards
• Surcharges may alienate or upset customers because it seems like a penalty
• Customers may shop elsewhere when they see surcharges