September 20, 2025. A trend for small businesses is to either refuse credit cards or charge an added fee normally around 3% to the cost posted on the bill. This is an unprofessional rookie business owner mistake. It demonstrates to your customers that either you have no idea how to price your products or think its a good idea to share your discontent with credit card processing fees. It also may leave folks to think you must have bad credit, which is why your fees are so high that you need to attempt to add them on as a "business tax".
Charging an EXTRA FEE to accept credit cards is an all around BAD LOOK for your business.
If you have an issue with trusting a person for a large purchase, you would consider risky then ask for an ID as part of your company policy.
In the view of many successful business owners the correct way to cover the cost of credit card processing fees is to add them to the retail price.