11/04/2026
Under DTI DAO No. 21-03, sellers are ๐ก๐ข๐ง ๐๐๐๐ข๐ช๐๐ ๐ง๐ข ๐๐๐๐ฅ๐๐ ๐ฌ๐ข๐จ ๐๐ซ๐ง๐ฅ๐ for paying with a credit card, debit card, prepaid card, QT code, or any ๐๐๐๐๐ง๐๐ ๐ฃ๐๐ฌ๐ ๐๐ก๐ง method.
Credit Card Surcharges Are Illegal. Hereโs What to Do When Stores Try to Charge You.
If a store ever added an extra fee to your bill just because you paid by card, then they broke the law. ๐จ
Under DTI DAO No. 21-03, sellers are not allowed to charge you extra for paying with a credit card, debit card, prepaid card, QR code, or any digital payment method.
The rule is simple: the cash price is the card price. Always.
It is also illegal for any store to force you into an installment-only payment. You always have the right to pay in full or in cash.
What to do if a store adds a surcharge:
1๏ธโฃ Politely remind the cashier about DTI DAO No. 21-03
2๏ธโฃ If they refuse to remove the charge, do not pay it
3๏ธโฃ Report them to DTI by calling 1-384 or email [email protected]
Violators can face fines of up to โฑ10,000 and imprisonment up to one year.
You work hard for every peso. Do not let illegal charges eat into your money or your credit card points.
Speaking of credit cards, find the best one for your lifestyle on the KKB App. Download here: https://www.kaskasanbuddies.com.ph/download?source=web
Share this with your shopping buddies so everyone knows their rights. ๐
Source: DTI DAO No. 21-03, Series of 2021.