Card surcharges stopped on 1 October, including on commercial work
From 1 October 2026 you cannot add a card surcharge, and two edges matter more to a trade business than to most. Card payments between businesses are not exempt, so commercial work and builder-to-subcontractor payments are inside it. And what binds is the date the card payment is made, not the date you issued the invoice, so a September invoice with a card fee on it that gets paid in October is caught. Bank transfer, PayID and direct debit are not covered.