Every merchant can choose to add a checkout fee to your credit card transaction. Fees are only allowed for credit card transactions and not debit card (even if credit card is selected) or prepaid card transactions.
For the 10 states where surcharging is restricted, please refer to your respective state attorney general's office for guidance on credit card surcharging. The National Association of Attorneys General website provides contact information for each state, to select your state on the interactive map to be redirected to your state attorney general's website (http://www.naag.org) layer.
Merchants are required to disclose their checkout fee practice at the store entry point and at the point of sale (and online checkout screen). It will also be noted as a separate line item on your receipt.
If you believe you were charged more than the legal amount and/or the merchant did not display or explain its checkout fee practices, you may report the surcharge violation by contacting the respective payment network listed on the front of your card (for example, Mastercard or Visa). Major network information is listed below:
If you believe you were unfairly surcharged, you may report the merchant directly to the payment network listed on the front of your credit card. Bank of America is unable to specifically dispute a checkout fee as it is a merchant-imposed fee.