At midnight 12th January 2018 (effective 13th January 2018) the government banned surcharges on credit card, debit card and online payments made by cards (e.g. PayPal).


This means that for you – the client paying for counselling at Havant Counselling – may now pay your fees by cash, cheque, bank transfer, credit card, debit card, and PayPal … all without any added surcharge; you will just pay your session fee.

For Havant Counselling, as a private sole-trader, Financial Institutions’ fees are still applied to any fee paid by card (in person or online). These surcharges were not banned by this government. For example, Havant Counselling will still pay 3.4%+30p on every payment made via PayPal.

At this time Havant Counselling will attempt to absorb such costs. But doing so may have an impact on the number of lower-fee counselling places that we fund, may see a raise in counselling fees to manage costs overall, or may see Havant Counselling having to remove card and online payments in the future.

Such a shame the government thought it better not to exclude small businesses like Havant Counselling whilst going after big players (such as airline travel services – looking at you: Ryanair). At the same time, leaving Financial Institutions – who make the card charges in the first place – untouched by the same regulation.

Banner Image: ‘Credit Cards and Cash’ © Sean MacEntee.