Jan. 27 marked the first day merchants nationwide could hit consumers with a checkout fee for using a credit card. Nothing has changed overnight, but some merchants are likely to test the waters sooner than others.

When Visa Inc. and MasterCard Inc. settled years-long litigation over interchange fees last summer to the tune of $7.2 billion, one of the settlement stipulations included dropping the "no surcharge" rule that prohibited merchants from adding their own fees to pass down to consumers.

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