From 13 January 2018 it has been illegal for any company to charge a surcharge for processing customers’ credit or debit card payments.  The change is as a result of the implementation of the EU Payment Services Directive II (PSD2) which has the aim of setting out a common legal framework for businesses and consumers when making and receiving payments within the European Economic Area (EEA).  The regulation relates to making and receiving payments online, face-to-face and over the phone.