So how are small retailers with terminals that they process credit and debit cards on low value and third party transactions for paypoint payment processing and low value transactions through their merchant account going to provide the service without charging customers a service charge? Is the new rule applicable to them? I posted this response in July 17 to the above article: The article itself uses the term UK Company as the businesses that the new rules will apply to. Therefore if a business is a sole trader or proprietor, a partner in a trading partnership or LLP then they are not a UK Company. Also under contract law rules if it is a retail shop the display of goods at a specific price is regarded as invitation to treat it is up to the shopkeeper if they are willing to sell them at the marked price. The marked price could be regarded as a discounted price and when the person pays for their goods the shop keeper could total the price for the goods purchased and add the extra service they are giving by processing the debit or credit card as the price they require to sell the goods to the person. In addition to this where they are offering a service to their customers such as bill payments for which they receive a commission charge the element of service they provide is having the terminal available to the customer. The charge to the customer is their service charge to cover their costs providing the service. If it is a service charge therefore it is not a debit/credit card charge. Any other helpful suggestions to this?