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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 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?

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.

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 10 states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas.

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

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.

Will all merchants charge me?

All merchants can choose to add checkout fees when you use a credit card (subject to state law). We don't know which 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 dollar 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). Major network information is listed below:

American Express
Customer service: 1-800-528-4800

Discover
Customer service: 1-800-347-2683

Visa
Customer Assistance Center: 1-800-847-2911
Online form to report a merchant violation (https://usa.visa.com/checkoutfees/contact.jsp layer)

MasterCard
Assistance Center: 1-800-307-7309
Online form to report a merchant violation (http://www.mastercard.us/support/merchant-violations.html 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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