Credit Card Surcharge Laws By State 2022. We break down what's changed, and clarify what's legal and ille

We break down what's changed, and clarify what's legal and illegal for Merchants implementing a credit card surcharge program, however, must comply with disparate state surcharging laws and complex payment card networks‘ operating Explore 2025’s credit The processing fees for credit card payments hurt the bottom line. That said, Opinion: Reed Smith's Will Atherton says credit card surcharge laws in California, New York, and other states are altering the legal landscape on surcharge fees. The rules differ by state and can depend on the type of merchant, the Yes Colorado law, SB 21-091, caps credit card surcharges at 2% of the total cost of the transaction OR the actual fee the merchant pays to process the transa. But, with this new Understand Colorado’s credit card surcharge law, including compliance requirements, disclosure rules, and restrictions to ensure your business follows regulations. Credit card surcharges are subject to rules that limit surcharges to the cost of acceptance, up to a maximum allowable surcharge. Use this guide to quickly find out if surcharging is legal or illegal As of October 2025, credit card surcharging is legal in most U. The U. This straightforward approach helps Arizona's Louisiana allows credit card surcharges up to 4% with disclosure requirements. (d) Charges for third-party credit card guarantee services, when added to the price charged by the retailer if cash were to be paid, Arizona state agencies routinely impose surcharges on taxpayer credit card payments, creating clear legal precedent for private businesses. Our complete guide to credit card surcharge laws by state. State laws in California, Connecticut, Maine, and Massachusetts explicitly prohibit businesses from charging customers extra for using a credit card. This table provides a quick overview before detailed state-by-state analysis. Debit cards: While surcharge laws vary by jurisdiction, one thing remains The surcharge or convenience fee shall be applied only when allowed by the operating rules and regulations of the credit card or charge card involved or when authorized in writing by the Need credit card surcharge guidance? Here’s a state-by-state look at credit card surcharges, including current laws and regulations, to ensure . tion. The new Colorado surcharging rules include: 1. Merchants must A complete break down of credit card surcharging laws in all 50 states. The main exception is Colorado, where the upper limit is 2%. Credit card surcharge laws regulate the practice of adding a fee to customers who pay with a credit card. Everything you need to know about California's new credit card surcharging laws, including what's legal and illegal for businesses. In this article, we will discuss a few ways to do this, the pros Minnesota updated its surcharge laws and disclosure rules. Most state laws in 2022 allow merchants to pass credit card fees to customers. A few states and provinces, however, have banned Colorado allows 2% credit card surcharges with strict disclosure rules. S. . With some credit card providers planning to raise their fees in the coming years, it’s Understand California’s laws on credit card fees, including restrictions, permitted charges, and potential legal consequences for businesses. Every Charge Is A Surcharge Usually, card brands dictate how surcharging programs are utilized. territory of Puerto The following list, updated as of July 2025, provides AEC professionals with updated information on the legal status of credit card Here’s a state-by-state look at credit card surcharges, including current laws and regulations, to ensure compliance and avoid legal pitfalls in your Across most of the United States, credit card surcharges cannot exceed 3%. Learn where surcharging is legal, compliance requirements, and best practices. Learn state rules, government agency practices, and compliance. Learn compliance requirements and penalties under SB 21-091. states with varying requirements. Credit Card Surcharge Laws By State For debit cards and prepaid cards, surcharging is prohibited—even when the card is run as a. The fees must comply with state and card issuer regulations.

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