Surcharge, or also known as zero fee processing, is the fee transferred to the customers when they pay using a credit card. It is considered legal to other US states and illegal on 8 states. Surcharging can help businesses, especially those small to mid-sized ones) improve their profit by reducing costs. To help understand surcharge and surcharging more, you can read this article: cloudbanking.co/surcharge-fee-ticket-to-profit-growth/