We offer a 2.5% early settlement discount to clients who pay their fees within 7 days. The vast majority of clients pay by BACS. However, annoyingly, some clients pay by credit/debit card on day 7 and this means that by the time the money reaches my account, the 7 days has expired. I therefore wish to exclude credit/debit card payments from qualifying for the discount. I must admit that I am also mindful of the costs involved when clients pay by credit/debit cards but want to avoid falling foul of the surcharge rules. I have checked the official guidance on the Consumer Rights (Payment Surcharges) Regulations but I cannot see that this particular issue is mentioned. Do readers know whether this would breach the Payment Surcharge rules?