Surcharge rules by state
Credit card surcharge rules change by state and by year. Plain-language guides, written like a consultant would talk, not a law firm. We lead with what to do and keep a visible last-updated date, because stale surcharge write-ups get the rules wrong.
Pass fees freely
Most states let you add a surcharge on credit card payments, as long as you disclose it before the sale and keep it within what the card costs you.
Pass fees with limits
A handful of states cap the surcharge, require specific signage, or have rules that shifted in 2025 and 2026. The details matter, and stale write-ups get them wrong.
Use a cash discount instead
Where surcharging is restricted, the simpler road is to make the card price the normal price and nudge cash a touch lower. Same outcome, less to babysit.
Rolling out by state
We publish these in priority batches and date every page, because most competitor state pages go stale and a current one is both more useful and more trustworthy. The first states are on the way.
Guidance here is general and not legal advice. Confirm the current rules for your state before you change how you price.