From MasterCard Cash Advanced Processing Rules
Maximum Cash Disbursement Amounts
A Customer and each of its authorized cash disbursement agents may limit the amount of cash provided to any one Cardholder in one day at any individual office. Such limit may not be less than USD 5,000 per Cardholder in one day and uniformly must be applied to all Cardholders.
If compliance with this Rule would cause hardship to one or more (but not all) of such individual offices that are required or permitted to provide cash disbursement services, the Customer may establish a maximum cash disbursement amount of less than USD 5,000 per person in one day at each such office, provided that the maximum cash disbursement amount:
1. Is not less than USD 1,000;
2. Is not less than the maximum cash disbursement amount established for any other acceptance brand at the office; and
3. Applies only at those offices where the Customer can, if requested by MasterCard, demonstrate that a higher maximum would create a hardship.
Similarly, the limit you can impose on a VISA card would also be $5,000. Both card brands prohibit surcharges on cash advances.
As far as "dealing with VISA/MC" should they come to call, compliance violation fines start around $15,000 per violation or $1,000 per occurrence. Consider the risks of willfully violating your contract with VISA/MC before you take that step.
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