A payment card surcharge is an additional fee that a merchant adds to a consumer’s bill when he or she uses a card for payment. As a result of a legal settlement to resolve claims brought by a group of U.S. merchants, merchants in the U.S. and U.S. territories may add a surcharge to certain credit card transactions, starting January 27, 2013. Merchants who choose to surcharge must follow consumer disclosure and other requirements agreed to as part of the settlement. The Law Offices of Jeffrey A. Asher, PLLC, imposes a surcharge of 3.5% on the transaction amount on credit card transactions, which is not greater than the firm’s cost of acceptance. A lawyer may charge a client, as an administrative convenience, a nominally greater amount than the processing fees imposed on the lawyer’s account by a credit card company in connection with the client’s payment by credit card of the lawyer’s advance payment retainer, as long as (i) the client receives disclosure of the up-charge and consents to it before the lawyer imposes it, (ii) the amount of the up-charge is nominal, and (iii) total amount of the advance payment retainer and the processing fees (including the up-charge) are reasonable under the circumstances. NYSBA Committee on Professional Ethics, Opinion 1050 (3/25/15). Authorizing a credit card payment signifies your consent to the charge.