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'We have discussed the settlement with many, many merchants, and not a single merchant we have spoken to plans to surcharge,' said Craig Sherman, spokesman for the National Retail Federation, which was not involved in the lawsuit.

Both Visa and Master Card have rules requiring retailers to handle credit cards the same way in every store regardless of location, so if a chain has a store in a state where surcharges are banned then none of its locations would be allowed to have a surcharge. That's because stores already factor in the cost fo processing a credit care when they price their merchandise.

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In the brick-and-mortar world, no one who does any sort of volume business is going to want to surcharge because it will drive their customer crazy and slow down transactions,' agreed Ed Mierzwinski, Director of Consumer Programs at U. Unless they dropped their prices, second charge would be double-dipping at the loss of the consumer.