{"ok":true,"trend":{"id":928801,"platform":"mastodon","region":"global","key":"added card-surcharging logic for a us merchant: debit cards skip the 3% fee, credit cards get it, per the usual state ru","title":"Added card-surcharging logic for a US merchant: debit cards skip the 3% fee, credit cards get it, per the usual state ru","url":"https://www.urbanmind.net/display/f7dd981d-0bda71d2-3316d131178ccb1b","first_seen":"2026-10-04T01:51:32.523817Z","last_seen":"2026-10-05T06:38:48.667810Z","last_rank":9,"peak_rank":9,"last_volume":2,"peak_volume":2,"seen_count":22,"score":0.5571875,"category_hint":"banking","section":"business","category":"banking","summary":"A developer working on payment systems for a US merchant described implementing surcharging logic: debit cards are exempt from a 3% fee while credit cards carry it, following standard state regulations. Card type detection relies on a static BIN range table updated quarterly from the payment processor. Complaints from cardholders unhappy about the fee have begun arriving, with some disputing the charge.","why":"Surcharging fees remain contentious with consumers, and the influx of cardholder complaints highlights ongoing friction over checkout fees.","tone":"neutral","entities":["US merchant","debit cards","credit cards","payment processor"],"summarized_at":"2026-10-05T08:01:18.935854Z","meta":{"tag":"fintech","via":"scan","kind":"status","lang":"en","instance":"mastodon.social","tag_uses":19},"nw":null,"promo":null,"kind":null,"importance":null,"hidden":false,"hide_reason":null,"judged_at":null,"title_en":"Merchant's card surcharge rules spark cardholder complaints","section_name":"Business","category_name":"Banking","timeline":[{"captured_at":"2026-10-04T01:51:32.523817Z","rank":12,"volume":2},{"captured_at":"2026-10-04T03:13:31.971510Z","rank":12,"volume":2},{"captured_at":"2026-10-04T04:35:52.851503Z","rank":12,"volume":2},{"captured_at":"2026-10-04T05:57:52.412734Z","rank":11,"volume":2},{"captured_at":"2026-10-04T07:20:35.764534Z","rank":10,"volume":2},{"captured_at":"2026-10-04T08:42:54.999725Z","rank":10,"volume":2},{"captured_at":"2026-10-04T10:04:57.145897Z","rank":10,"volume":2},{"captured_at":"2026-10-04T11:27:06.366337Z","rank":10,"volume":2},{"captured_at":"2026-10-04T12:49:00.465907Z","rank":10,"volume":2},{"captured_at":"2026-10-04T14:10:58.360734Z","rank":10,"volume":2},{"captured_at":"2026-10-04T15:33:43.180753Z","rank":10,"volume":2},{"captured_at":"2026-10-04T16:55:41.870744Z","rank":10,"volume":2},{"captured_at":"2026-10-04T18:18:25.355562Z","rank":10,"volume":2},{"captured_at":"2026-10-04T19:40:45.635760Z","rank":10,"volume":2},{"captured_at":"2026-10-04T21:02:46.715360Z","rank":10,"volume":2},{"captured_at":"2026-10-04T22:24:44.811827Z","rank":10,"volume":2},{"captured_at":"2026-10-04T23:47:27.481234Z","rank":10,"volume":2},{"captured_at":"2026-10-05T01:09:49.107445Z","rank":10,"volume":2},{"captured_at":"2026-10-05T02:31:48.943893Z","rank":10,"volume":2},{"captured_at":"2026-10-05T03:54:07.928990Z","rank":10,"volume":2},{"captured_at":"2026-10-05T05:16:28.177441Z","rank":10,"volume":2},{"captured_at":"2026-10-05T06:38:48.667810Z","rank":9,"volume":2}],"posts":[{"platform":"mastodon","url":"https://www.urbanmind.net/display/f7dd981d-0bda71d2-3316d131178ccb1b","author":"hackaday@www.urbanmind.net","title":null,"snippet":"Added card-surcharging logic for a US merchant: debit cards skip the 3% fee, credit cards get it, per the usual state rules. Classification ran off a static BIN range table refreshed quarterly from our processor. Surcharge complaints started trickling in — cardholders insisting…","posted_at":"2026-10-04T00:15:14Z","likes":2}],"elsewhere":[],"window":"7d"}}