Credit card processing and merchant services in Wyoming

Wyoming's sales tax has a 4% statewide rate, and the total varies by county. The Excise Tax Division says rates generally run between 4% and 8%. If you sell in more than one county, check the rate for each location rather than setting one number for everything.

Card surcharges are lightly regulated here. We found no Wyoming statute that bans or caps them, which means Visa's and Mastercard's rules are the ones you have to meet. Visa caps a surcharge at your merchant discount rate or 3%, Mastercard at your average effective rate or 4%, and both require notices at the entrance and checkout and the amount on the receipt. Debit and prepaid cards can't be surcharged at all.

A quick example shows how the caps work. If your Visa merchant discount rate is 2.7%, a $250 Visa credit sale can carry a surcharge of $6.75 at most, even though 3% would be $7.50. Charge the higher figure and you're over Visa's limit, whatever state law says. Taking cash, by contrast, is your call at the state level; we found no Wyoming law requiring it.

For most Wyoming merchants, the bigger lever is the processing rate itself, since it applies to every card, debit included. A free statement review shows your effective rate, and our surcharging program handles the disclosures if you decide a surcharge makes sense.