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Close up of a hand taking out a fifty dollar bill from their wallet
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Swiping your credit card to pay at a variety of small businesses — from gas stations to diners to dentists — could cost you more this year. And, no, inflation isn’t to blame this time.

Small businesses are increasingly asking customers to foot the bill for the hefty fees charged by credit card companies. Following a class action lawsuit in 2013, Visa and MasterCard lifted a ban on credit card surcharges. Now, it’s legal for businesses in most states to charge credit card customers an extra fee to cover these costs, which typically range from 1.5% to 3.5% of the transaction amount.

Surcharging is “definitely” at an inflection point, particularly as credit card companies are slated to increase merchant fees in April, according to Jonathan Razi, founder and chief executive officer of CardX, which provides surcharge-calculating software to 6,400-plus businesses. CardX was recently acquired by fintech company Stax, and the surcharge software will be offered to Stax’s 22,000-plus customers — which means you may encounter more credit card fees in the not-so-distant future. “One of the reasons you’re seeing more and more surcharging is a result of these price increases affecting businesses,” he says.

If the prospect of paying more at checkout has you contemplating hitting up the ATM more frequently, there could be another good reason to pad your wallet with cash: Some businesses offer a discount to customers who pay with greenbacks. When offered a cash discount, a customer who otherwise would have preferred a different payment method is 19% more likely to pay with cold, hard cash, according to a study published in the Journal of Banking & Finance.