Essential information for end of life vehicle dismantling, depollution and recycling


Ban on all charges for paying by credit or debit card

credit cardsAs of 13th January 2018, companies have been banned from charging any fees for credit or debit card payments.

Rules, which came into force in 2013, companies should only charge the customer what it costs them to process a debit or credit card payment – without making a profit on these surcharges.

The new rules means all surcharges are banned. So there will be no charges for paying by debit or credit card, including American Express and linked ways of paying such as PayPal or Apple Pay.

The rules apply to any UK company which sells to UK consumers.

It’s worth noting the new rules won’t just apply to the UK. As this law is following an EU directive, companies across the EU will also be banned from charging these extra fees.

Cardholders had been charged fees of around 2%, but a flat fee has also been the case, for examples the Driver and Vehicle Licensing Agency (DVLA) surcharge was £2.50 credit card fee on all transactions.

But the biggest savings will be made on expensive purchases. A car for example, where paying around 2% on a transaction can save thousands of pounds.

Of course, it is possible some retailers have chosen to raise their standard prices to cover the cost of processing debit or credit card payments – or some could stop accepting cards altogether.

The new rules stem from the EU Payment Services Directive, which lays out the changes EU governments must make.

This mean the new rules will be put into UK law – and so will continue to exist even after Brexit.

Stephen Barclay, the Economic Secretary to the Treasury, said: “Rip-off charges have no place in a modern Britain and that’s why card charging in Britain is about to come to an end.

“This is about fairness and transparency, and so from next year there will be no more nasty surprises for people at the check-out just for using a card.

“These small charges can really add up and this change will mean shoppers across the country have that bit of extra cash to spend on the things that matter to them.”

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Adam Hewitt

ATF Professional LLP is registered in England and Wales with Partnership number OC418339

The views and opinions expressed on ATF Professional are solely those of the original authors and other contributors. These views and opinions do not necessarily represent those of the editor, publisher or staff of ATF Professional.



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Owain Griffiths

Owain Griffiths

Head of Circular Economy at Volvo Cars

Owain joined Volvo Cars in June 2021 to lead Circular Economy in the Global Sustainability Team. The company has committed to being a circular business by 2040 and has financial, recycled content and CO2 based targets for 2025, all of which Owain is working across the company to make happen. Owain previously worked for circular economy consultancy Oakdene Hollins where he advised businesses on evidence led circular economy implementation. 

Turning into a circular business and the importance of vehicle reuse and recycling.

The presentation will cover the work Volvo Cars is doing to achieve 2025 but mainly focus on the transformational work towards 2040 and the business and value chain changes being considered. Attention will be paid to the way vehicles are being dealt with at the end of life and the complexities of closing material and component loops. Opportunities and challenges which Volvo Cars is facing will be presented including engagement with 3rd parties and increasing pressure from stakeholders.