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Credit card processing in Virginia

From Virginia Beach and Norfolk to Richmond, Arlington and Chesapeake, Virginia's 2025 price law changed how fees must be shown, and it left one big question open for card surcharges. We show you exactly what you pay and set it up the conservative way. No contracts, no cancellation fees.

What is different about taking cards in Virginia

Total price shown since July 1, 2025

Virginia Code 59.1-607 through 59.1-610 bars advertising or displaying a price without clearly and conspicuously showing the total price, including all mandatory fees or surcharges. Government taxes and reasonable shipping are excluded. Restaurants and hotels have their own way to comply, by disclosing any automatic gratuity.

Whether a card surcharge counts is unsettled

Virginia has no surcharge ban or cap. But the law defines a mandatory fee as one that must be paid to buy the item, and a customer can usually avoid a card surcharge by paying another way. One law firm reads the law as blocking a surcharge added at checkout; vendor guides say surcharging is still fine. There is no court ruling or Attorney General guidance yet.

Sales tax on a card fee

A credit card fee on a taxable sale is part of the taxable sales price in Virginia (Tax Commissioner rulings P.D. 23-16 and P.D. 26-24).

How we set it up in Virginia

Until the question is settled, Dual Pricing is the conservative route: both prices are shown up front, so no fee appears for the first time at checkout. If you already surcharge in Virginia, we can move you over without downtime.

Check any state in our surcharge checker. Rules change, so we confirm the current position before configuring anything. This is general information, not legal advice.

See what you pay

Send one recent statement for a free statement review. We find your true effective rate, name every fee, and show where it can come down. Savings are estimates based on your own statement.

Virginia questions owners ask

Can I surcharge credit cards in Virginia?
Virginia has no surcharge ban or cap, but since July 1, 2025 its total-price law requires mandatory fees in displayed prices, and whether an avoidable card surcharge counts is unsettled. This is general information, not legal advice.
Does Virginia require all-in prices?
Yes, since July 1, 2025. Displayed prices must include all mandatory fees or surcharges, other than government taxes and reasonable shipping (Va. Code 59.1-607 to 59.1-610).
Is a card fee taxed in Virginia?
On a taxable sale, yes. It is part of the taxable sales price (P.D. 23-16 and P.D. 26-24).

Virginia businesses we set up

Total-price display matters most where prices are posted everywhere.

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