Debit Card Surcharges if processed as credit

I'm looking for clarity on surcharging. I know we can pass along surcharges for CREDIT, but not DEBIT. What I'm not clear on is if we are allowed to apply surcharges to DEBIT transactions if they are processed as CREDIT. We use Square Virtual Terminal exclusively, and from what I understand, all virtual transactions are processed as CREDIT even if the customer uses a DEBIT card. Can anyone clarify?

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