apparatus and methods for auditing a transaction record are provided . the transaction record may correspond to a credit card transaction . the auditing may include identifying a surcharge violation . the surcharge violation may be an unlawful surcharge . the auditing may identify patterns of double surcharging . transaction - level auditing may include ensuring that a surcharge is returned upon a product return . a mobile wallet application may allow consumers to access and / or report merchant surcharge compliance activity . functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report . additional crosscheck functionality provided by geographic location support . embodiments may include a registry for merchants that certify their surcharge calculations .