Credit card processing and merchant services in Tulsa, OK
Tulsa sales and use tax is 8.517% inside city limits, a little under Oklahoma City. Since November 2025 you can surcharge credit cards up to 2% or your cost, with notice on phone and web orders.
Tulsa's sales tax runs to three decimal places. Inside the city limits, the City of Tulsa puts sales and use tax at 8.517%: 4.5% for the state, 0.367% for Tulsa County and 3.65% for the city. That's a shade under the 8.625% that applies in most of Oklahoma City, so a business with stores in both needs two rates. Check that your POS stores the Tulsa rate to all three decimals.
Use tax sits at the same 8.517% inside the city. It comes up when an out-of-state seller ships you equipment or supplies without charging Oklahoma tax.
Since November 1, 2025, Oklahoma has allowed a credit card surcharge of up to 2% or your actual processing cost, whichever is less. Businesses that take orders by phone or online should read the notice rules closely: you have to state the amount aloud on phone orders and show it on your website's home page and payment page. Say a supplier bills a contractor $1,500 over the phone. Two percent is $30, but if processing that card costs $27.40, the surcharge can't go above $27.40.
The Census Bureau estimated 416,209 Tulsa residents in July 2025. If you bill customers remotely, our virtual terminal takes cards by phone, emailed invoice and payment link. Interchange-plus pricing shows your actual cost on each card, which is the number Oklahoma's cap is built on, and a free statement review shows it for your own recent sales.
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Common questions
What is the sales tax rate in Tulsa?
8.517% inside the city limits, according to the City of Tulsa: 4.5% state, 0.367% Tulsa County and 3.65% city. The Oklahoma Tax Commission's rate chart lists the same 0.367% for Tulsa County. Outside the city limits a different city rate, or none, applies, so check each address.
Do I have to state a surcharge out loud on phone orders in Tulsa?
Yes. Oklahoma's surcharge statute requires the notice, with all required information, to be given verbally on phone transactions. Online sales need it on the home page and the point-of-sale page, and in-person sales need it at the entrance and the register. The cap is 2% or your actual processing cost, whichever is less.
Does Tulsa charge use tax on out-of-state purchases?
The City of Tulsa lists sales tax and use tax at the same 8.517% inside the city limits. If an out-of-state seller ships you equipment or supplies without charging Oklahoma tax, ask your accountant how to report the use tax on it.
How can a Tulsa business take card payments on invoices?
A virtual terminal lets you key in a card over the phone, email an invoice with a payment link, or set up recurring billing. If you surcharge, follow Oklahoma's notice rules for phone and online payments, and remember that a seller that accepts only credit cards can't use the surcharge provision at all.
More Oklahoma cities besides Tulsa
Disclaimer: general information, not professional advice
This page is general educational information, not legal, tax, accounting or financial advice. Rules and rates vary by place and change, so confirm them with the official source and a qualified professional before you act. Full terms are in our Terms of Service.
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