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Credit Card Merchant Fees FAQs

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What is a checkout fee?Who is charging me this fee, Bank of America or the merchant?How much will I be charged?When will I start being charged?Is this only for my Bank of America credit card?Which states restrict or prohibit adding surcharges to credit card transactions?Why was I charged a checkout fee when I reside in a no-surcharge state?Will all merchants charge me?How will I know before I buy something if the merchant charges this fee?Will the checkout fee be listed on the receipt?What if I am charged too much, or my merchant didn't disclose its fee policy?How do I dispute the checkout fee?If I return my credit card purchase, will the checkout fee be refunded?Can I get a credit card with you that will not be charged?I have a lot of business with Bank of America; can you refund me these fees?
What is a checkout fee?

A checkout fee is an added fee that a merchant chooses to add to your credit card transaction. Checkout fees are only allowed for credit card transactions and not debit card (even if "credit" is selected) or prepaid card transactions.

Who is charging me this fee, Bank of America or the merchant?

The checkout fee is a fee that a specific merchant has chosen to add to your credit card transaction. Bank of America is not involved in any way with establishing checkout fees, and we recommend you ask the merchant if checkout fees apply to your purchase before you complete your transaction.

How much will I be charged?

A merchant choosing to add a checkout fee will choose and disclose the amount to you before you purchase. Check for the store's fee policy at the store entrance, the cash register and point of sale.

When will I start being charged?

Merchants who choose to add checkout fees were able to add the fees beginning January 27, 2013.

Is this only for my Bank of America credit card?

No. Any Visa® and Mastercard® credit card transaction is subject to checkout fees if the merchant chooses to add them. Remember, checkout fees do not apply to debit and prepaid card transactions.

Which states restrict or prohibit adding surcharges to credit card transactions?

State law currently restricts credit card surcharging in the following 7 states: Colorado, Connecticut, Kansas, Maine, Massachusetts, New York City (the rest of the state of New York allows), Oklahoma and the U.S. Territory, Puerto Rico.

Why was I charged a checkout fee when I reside in a no-surcharge state?

If you live in a state 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 layer provides contact information for each state.

Will all merchants charge me?

All merchants have the option to add checkout fees when you use a credit card (subject to state law). We don't know which specific merchants will add these fees.

How will I know before I buy something if the merchant charges this fee?

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.

Will the checkout fee be listed on the receipt?

Yes. The merchant is required to note any checkout fee amount as a separate line item on your receipt (similar to shipping and handling charges).

What if I am charged too much, or my merchant didn't disclose its fee policy?

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).

American Express: Call 800.528.4800

Visa: Call 800.847.2911 or use Visa's online form to report a merchant violation layer

Mastercard: Call 800.307.7309 or use Mastercard's online form to report a merchant violation layer

How do I dispute the checkout fee?

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.

If I return my credit card purchase, will the checkout fee be refunded?

The checkout fee should be treated similarly to other merchant-imposed fees and refunded on a pro-rated basis for returned purchases.

I have a lot of business with Bank of America; can you refund me these fees?

No. Checkout fee policies are decided by the merchant (similar to shipping and handling charges). Since this is not a bank-imposed fee, we are unfortunately unable to refund it.

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