ConnecticutProhibitedProhibited — surcharges banned by statute
MaineProhibitedProhibited — surcharges banned by state law
MassachusettsProhibitedProhibited — surcharges banned by statute
CaliforniaContestedContested — most current guides describe California as a ban state
OklahomaContestedContested — statute bans it, courts ruled that unenforceable
TexasContestedContested — statute on books, enforcement disputed
HawaiiLegal · Strict RulesLegal — but sources describe the rule inconsistently
MinnesotaLegal · Strict RulesLegal — but must be in the advertised price, not added later
New YorkLegal · Strict RulesLegal with strict pricing-display rules
ColoradoLegal · State CapLegal — capped at 2%
NebraskaLegal · State CapLegal — capped at actual cost of acceptance
NevadaLegal · State CapLegal — capped at actual cost; AG flags surcharges over 1.5%
New JerseyLegal · State CapLegal — capped at actual cost of acceptance
South DakotaLegal · State CapLegal — capped at actual cost of acceptance
AlabamaLegalLegal — no state restriction
AlaskaLegalLegal — no state restriction
ArizonaLegalLegal — no state restriction
ArkansasLegalLegal — no state restriction
DelawareLegalLegal — no state restriction
FloridaLegalLegal — former ban struck down in court
GeorgiaLegalLegal — surcharge cannot exceed processing cost
IdahoLegalLegal — no state restriction
IllinoisLegalLegal — new tax/gratuity carve-out starting July 2026
IndianaLegalLegal — no state restriction
IowaLegalLegal — no state restriction
KansasLegalLegal — ban repealed effective January 2025
KentuckyLegalLegal — no state restriction
LouisianaLegalLegal — no state restriction
MarylandLegalLegal — no state restriction
MichiganLegalLegal — no state restriction
MississippiLegalLegal — no state restriction
MissouriLegalLegal — no state restriction
MontanaLegalLegal — merchants' right to surcharge is explicitly protected
New HampshireLegalLegal — no state restriction
New MexicoLegalLegal — no state cap beyond card network rules
North CarolinaLegalLegal — no state restriction
North DakotaLegalLegal — no state restriction
OhioLegalLegal — no state restriction
OregonLegalLegal — no state restriction
PennsylvaniaLegalLegal — no state restriction
Rhode IslandLegalLegal — no state restriction
South CarolinaLegalLegal — no state restriction
TennesseeLegalLegal — no state restriction
UtahLegalLegal — no state restriction
VermontLegalLegal — no state restriction
VirginiaLegalLegal — no state restriction
WashingtonLegalLegal — no state restriction
West VirginiaLegalLegal — no state restriction
WisconsinLegalLegal — no state restriction
WyomingLegalLegal — no state restriction
More states are being added. Every page is reviewed against current statutes and card network rules before publishing.
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Not legal advice. Confirm current requirements with your processor and qualified counsel before implementing any fee or dual-pricing program.