Credit Card Surcharges: How Cardholders React To Extra Costs

Report: The Impact of Merchant Surcharges on Cardholder Satisfaction While most credit card users begrudgingly pay surcharges when they appear, only 21% said doing so affects their satisfaction with a given merchant. The findings from a survey of 2,500 U.S. consumers come within PYMNTS’ new Credit Card Surcharges report, a collaboration with Payroc, which also revealed ways merchants surcharge and retain their business.
Inside the February Report
  • 85%: Portion of cardholders who knowingly paid surcharges during their most recent credit transactions
  • 21%: Share of cardholders who say being asked to pay a surcharge during their most recent credit transactions harmed merchant satisfaction
  • 56%: Segment of credit card users who say being asked to pay a surcharge made them highly likely to switch to another merchant

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    Credit Card Surcharges Report

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