Re:Open Source Visa/Mastercard Competitor: Zenobia Pay
by ameliaquining on Thursday August 14, 2025 @03:07PM
(#44904347)
Page 10: "Under Amex’s NDPs, the merchant...may not impose a 'parity surcharge' on credit card transactions, meaning a surcharge in which the merchant assesses the same surcharge amount on all credit card brands and does not surcharge debit cards at all."
Re:Open Source Visa/Mastercard Competitor: Zenobia Pay
by lotsofpulp on Thursday August 14, 2025 @03:11PM
(#44904392)
That page is getting into the weeds, but none of that says a merchant cannot state that cash and debit cards receive an x% or $x discount.
The federal regulations specifically allow discounts, and presumably some lawyers will argue that a surcharge is different from a discount.
Amex is trying to do all it can, but still can’t tell a merchant they cannot advertise a discount for cash/debit.
Your Amex lawsuit link is about Amex prohibiting different discounts based on payment card networks (see #4 at bottom of page 2).
Amex’s contract does not overrule the federal government’s rule that a merchant can offer a discount for debit and cash.
The Supreme Court upheld AmEx’s steering provisions in 2018.
https://en.wikipedia.org/wiki/Ohio_v._American_Express_Co.