Payment processing in every US state.

Credit card surcharging, state by state.

Each state page names the statute or official source for its rule and the date it was read, plus the state’s sales-tax agency and business registration office. This is general information, not legal advice. Laws change; confirm the current rule with the state or your own adviser before you add a surcharge.

• 3 Surcharges prohibited by state law
• 11 Surcharges allowed with state conditions
• 33 No state surcharge restriction found
• 4 Current rule not confirmed

• AlabamaAlabama has no state law limiting credit card surcharges; card network rules still apply.
• AlaskaAlaska has no state law limiting credit card surcharges; card network rules still apply.
• ArizonaArizona has no state law limiting credit card surcharges; card network rules still apply.
• ArkansasArkansas has no state law limiting credit card surcharges; card network rules still apply.
• CaliforniaWe could not confirm the current rule. A 1985 statute bans card surcharges; a 2018 court ruling limited it, and SB 478 requires unavoidable fees be in the advertised price.
• ColoradoAllowed on credit cards up to 2% or the merchant's processing cost; posted notice and a separate receipt line are required.
• ConnecticutConnecticut bans surcharges for any payment method; a posted cash or debit discount is allowed instead.
• DelawareDelaware has no state law limiting credit card surcharges; card network rules still apply.
• District of ColumbiaWe could not confirm the current rule. No D.C. statute on card surcharges was found, but the only explicit source is dated and a 2026 hidden-fee act is pending.
• FloridaFlorida's surcharge ban was struck down in 2015; restaurants must disclose card surcharges on menus, bills and receipts from July 1, 2026.
• GeorgiaElectronic-payment convenience fees are allowed at the merchant's actual cost, with prior notice and a fee-free way to pay.
• HawaiiHawaii has no state law limiting credit card surcharges; card network rules still apply.
• IdahoIdaho has no state law limiting credit card surcharges; card network rules still apply.
• IllinoisIllinois has no state law banning or capping credit card surcharges; card network rules still apply.
• IndianaIndiana has no state law banning or capping credit card surcharges; card network rules still apply.
• IowaIowa has no state law banning or capping credit card surcharges; card network rules still apply.
• KansasKansas allows credit card surcharges if the amount is clearly disclosed at the point of entry or sale, before the transaction.
• KentuckyKentucky has no state law banning or capping credit card surcharges; card network rules still apply.
• LouisianaLouisiana does not restrict credit card surcharges, but since Aug. 1, 2026, retailers may not surcharge debit cards.
• MaineMaine bans sellers from adding a surcharge when a customer pays by credit or debit card.
• MarylandMaryland has no state law banning or capping credit card surcharges by private merchants; card network rules apply.
• MassachusettsMassachusetts bans sellers from adding a surcharge when a customer pays by credit card.
• MichiganMichigan has no state law banning or capping credit card surcharges; card network rules still apply.
• MinnesotaMinnesota caps credit card surcharges at 5% and requires disclosure; a store may not surcharge its own store card.
• MississippiMississippi has no state law banning or capping credit card surcharges; card network rules still apply.
• MissouriMissouri has no state law banning or capping credit card surcharges; card network rules still apply.
• MontanaNo Montana statute found limiting credit card surcharges; card network rules still apply.
• NebraskaNo Nebraska surcharge statute found; card network rules still apply.
• NevadaAllowed. The Attorney General says surcharges must be disclosed and cannot exceed the merchant's actual cost of card acceptance.
• New HampshireNo New Hampshire surcharge statute found; card network rules still apply.
• New JerseyAllowed, capped at the merchant's actual processing cost, and the amount must be posted before the customer is charged.
• New MexicoNo New Mexico surcharge statute found; card network rules still apply.
• New YorkAllowed, but the full credit card price, surcharge included, must be posted, and the surcharge cannot exceed what the card company charges.
• North CarolinaNo North Carolina surcharge statute in force; a bill to cap surcharges at 2% (HB 13) is pending.
• North DakotaNo North Dakota surcharge statute found; card network rules still apply.
• OhioNo Ohio surcharge statute found; card network rules still apply.
• OklahomaAllowed since Nov 1, 2025, capped at 2% or the actual processing cost, whichever is less, with posted notice.
• OregonNo Oregon surcharge statute for private merchants found; card network rules still apply.
• PennsylvaniaNo Pennsylvania surcharge statute found; card network rules still apply.
• Rhode IslandRhode Island has no state law on credit card surcharges; card network rules apply.
• South CarolinaSouth Carolina has never enacted a credit card surcharge statute; card network rules apply.
• South DakotaWe could not confirm the current rule. The state's consumer office says surcharges may not exceed the merchant's card cost and must be disclosed; no statute found.
• TennesseeTennessee has no statute specifically on credit card surcharges; general consumer protection and card rules apply.
• TexasWe could not confirm the current rule. A Texas ban remains in the statutes, but a federal court has limited its enforcement.
• UtahAllowed; Utah's regulator requires the fee be disclosed before purchase and, if called a card fee, not exceed actual cost.
• VermontVermont has no state law restricting credit card surcharges; card network rules apply.
• VirginiaNo Virginia statute specifically caps card surcharges; a 2025 law requires mandatory fees to be in advertised prices.
• WashingtonWashington has no state law restricting credit card surcharges; card network rules apply.
• West VirginiaWest Virginia has no state law restricting credit card surcharges; card network rules apply.
• WisconsinWisconsin has no state law restricting credit card surcharges; card network rules apply.
• WyomingWyoming has no state law restricting credit card surcharges; card network rules apply.

What does not change by state.

VitaPay prices the same way in every state: interchange and card-network assessments passed through at cost, plus a stated processor margin, quoted in writing for your business. No long-term contract and no early termination penalty.

VitaPay is operated by VITAPAY LLC, 8 The Green, Ste B, Dover, DE 19901.