Your ability to apply a surcharge is conditioned on abiding by certain registration and disclosure requirements:
Register – You must register, by way of written notice, with your network and the bank or financial institution that processes your credit card payments, within 30 days prior to surcharging. The notice must identify whether you intend to impose surcharges at the brand level or the product level.
Disclosure at point of entry – You must provide clear disclosure to your patients at the point of entrance to the dental office, or in an online environment on the first page that references credit card brands that you impose a surcharge on credit card transactions that is not greater than your applicable cost of acceptance.
Disclosure at point of sale – You must provide clear disclosure to your patients of your surcharging practices at the point of interaction or sale with your patient in a manner that does not disparage the brand, network, issuing bank, or the payment card product being used. Such disclosure must include:
• Statement that you are imposing a surcharge
• Amount of the surcharge
• Statement that the surcharge is not greater than your applicable cost of acceptance
Disclosure on receipt – You must provide clear disclosure of the dollar amount of the surcharge on the transaction receipt you provide to your patient.