Credit card processing and merchant services in the United States

We found no Alabama law capping card surcharges; Visa's 3% and Mastercard's 4% caps and the debit card ban apply.

No Arizona statute bans or caps them; Visa caps them at 3% and Mastercard at 4%, and debit cards are excluded.

No Arkansas statute caps surcharges; the Attorney General says they apply to credit cards only, under card network rules.

The 1748.1 ban was never repealed, but the Attorney General generally follows the 2018 Italian Colors ruling; card network caps apply.

Allowed on credit cards since July 2022, capped at 2% or your actual merchant discount fee, with set sign wording. No debit.

Connecticut bans surcharges on every payment method; a clearly posted cash discount is the legal alternative.

No Delaware law limits surcharges; Visa's 3% and Mastercard's 4% caps apply, and debit can't be surcharged.

Florida's statute still bans surcharges, but the Attorney General says courts struck it down. Disclose any credit card fee.

No Georgia law caps retail card surcharges; Visa's 3% and Mastercard's 4% network caps apply.

No Idaho law bans or caps them, so card network caps apply; on taxable sales, the fee itself may be taxable.

No Illinois statute caps surcharges, so Visa's 3% and Mastercard's 4% limits apply; the 1% cap often quoted came from a bill that died.

Indiana has no surcharge statute, so card network rules govern: up to 3% on Visa, 4% on Mastercard, and never on debit or prepaid cards.

No Iowa statute limits credit card surcharges, so Visa's 3% and Mastercard's 4% caps and the debit card ban set the rules.

Kansas allows credit card surcharges if you disclose the amount at the point of entry or sale first; network caps of 3% and 4% apply.

Kentucky has no surcharge statute we've found, so network rules apply: 3% on Visa, 4% on Mastercard, none on debit.

No state cap on credit card surcharges, but Louisiana has banned debit card surcharges since August 1, 2026.

Maine bans surcharges on both credit and debit card payments; discounts for paying cash or check are allowed.

No Maryland law caps surcharges (there's no 4% state cap); Visa's 3% and Mastercard's 4% caps still apply.

Massachusetts bans credit card surcharges; a discount for paying cash or check is the lawful alternative.

Michigan's Attorney General says no state law restricts card surcharges; Visa and Mastercard caps and their debit card ban still apply.

Minnesota allows credit card surcharges up to 5% with spoken and posted notice; Visa's 3% and Mastercard's 4% caps are lower.

We found no Mississippi surcharge statute; Visa (3%) and Mastercard (4%) caps and the debit card ban apply.

Missouri has no surcharge statute; Visa's 3% and Mastercard's 4% caps, disclosure rules and the debit card ban set the limits.

No Montana statute caps them, despite a 3% cap quoted online; card network caps and the debit ban still apply.

We found no Nebraska surcharge statute; Visa's 3% and Mastercard's 4% caps apply, and debit and prepaid cards can't be surcharged.

No Nevada statute bans or caps them; Visa and Mastercard caps, posted signs and itemized receipts still apply.

No New Hampshire law limits surcharges; Visa's 3% and Mastercard's 4% caps, notice and receipt rules apply.

Credit card surcharges are capped at your actual processing cost and must be disclosed before the customer pays.

No state surcharge law found, so card network caps apply: 3% for Visa, 4% for Mastercard, or your cost if lower. No debit.

Surcharges can't exceed what the card company charges you, and you must post the total price for paying by card.

No North Carolina surcharge statute that we've found; Visa caps credit surcharges at 3% and Mastercard at 4%.

North Dakota has no surcharge statute; card network caps of 3% for Visa and 4% for Mastercard apply, and debit can't be surcharged.

No Ohio statute restricts credit card surcharges; the card networks cap them at 3% (Visa) and 4% (Mastercard) and bar them on debit.

Allowed on credit cards since Nov. 1, 2025, capped at 2% or your actual processing cost, whichever is less, with posted notice.

No Oregon law bans or caps them; Visa and Mastercard caps, posted notice and the ban on debit surcharges still apply.

No Pennsylvania law limits surcharges; Visa's 3% and Mastercard's 4% caps and the disclosure rules apply.

No Rhode Island law limits surcharges; Visa's 3% and Mastercard's 4% caps apply, and debit cards are off limits.

South Carolina has no surcharge statute we've found; network caps and the debit card ban set the limits.

No South Dakota statute caps surcharges; network caps apply, and Visa's 3% is lower than the 4% in the state's consumer guidance.

No Tennessee surcharge statute we've found; network caps apply, and fees must be disclosed before the customer pays.

Ban still in the statute; a 2018 ruling covers surcharges at or below cost. Debit surcharges are banned. Get legal advice first.

No Utah statute caps them; disclose the exact fee before purchase and stay within the Visa and Mastercard caps.

No Vermont law limits surcharges; Visa's 3% and Mastercard's 4% caps, notice and receipt rules still apply.

No Virginia surcharge cap, but since July 1, 2025 displayed prices must include any mandatory fee or surcharge.

No Washington statute limits them, so the card network caps, posted notice and the no-debit rule are what apply.

No DC law limits credit card surcharges; Visa's 3% and Mastercard's 4% caps and disclosure rules still apply.

West Virginia has no surcharge statute we've found; card network caps (3% Visa, 4% Mastercard) apply.

No Wisconsin statute limits credit card surcharges, and state law bars card issuers from blocking cash discounts; network caps apply.

No Wyoming statute restricts them; Visa and Mastercard caps, disclosure rules and the debit ban are the limits.