Our plug in is compliant with all surcharge rules and it used by major clients. Our solution can identify the type of card based on the first six digits and provide options for debit card and non-debit cards rules. The solution is currently used by small and larger organization that complied with all Association rules including notification, discount and registration with the brands.
At this time many of the merchant account providers can't support this model and see it as a threat to their core business.