Card surcharges and payment fees laws by state

132 bills on card surcharges and payment fees in 42 jurisdictions, 15 of them enacted in 2025 and 2026. The laws come first, with what each requires, then the bills that moved most recently.

15 laws enacted in 2025 and 2026, in 14 states. Most: Louisiana (2), California (1), Georgia (1).
132 bills in 42 jurisdictions, 3 of them in Congress. Latest action 29 October 2026.

Updated 2 November 2026Laws Recent bills By state

Enacted in 2025 and 2026

15 laws, by state. Laws enacted before 2025 are not listed.

California

Enacted 30 September 2026
AB 1793: Cash payments: calculation.
A merchant doing business in this state must round the total transaction price to the nearest amount divisible by five cents when payment is made wholly in legal tender. Amounts ending in one, two, six, or seven cents round down; amounts ending in three, four, eight, or nine cents round up. Rounding does not apply if the total price is two cents or fewer, or if payment is made entirely by non-cash methods.
Takes effect 1 January 2027

Georgia

Enacted 1 July 2025
HB 241: Contracts; convenience fees for payment by electronic means; revise provisions
Lenders and merchants may collect a nonrefundable convenience fee from persons paying by electronic means, limited to actual cost or the average actual cost for that payment type or $5.00, whichever is greater. They must provide a fee-free payment option and clear disclosure of the fee amount, nonrefundable status, and that it applies to electronic payments.

Illinois

Enacted 31 July 2026
HB 4592: Acceptance of cash payments
State agencies, units of local government, and retail businesses with in-person payment acceptance at physical locations must accept cash for transactions of $500 or less and cannot charge higher prices or add fees for cash payments. Retail businesses cannot refuse cash or post signs stating cash is not accepted.
Takes effect 1 January 2027

Louisiana

Enacted 2 June 2026
HB 308: PUBLIC FACILITIES: Requires acceptance of cash for certain transactions at state-owned stadium facilities (EN INCREASE SG EX See Note)
Each entity owning a state-owned stadium facility must accept cash payment for any transaction involving purchase of goods or services if the customer is physically present and the facility accepts other payment forms. Entities may satisfy this requirement through a cash-to-kiosk system. No fees or conditions may be imposed on cash acceptance.
Enacted 2 June 2026
SB 254: CREDIT: Provides relative to surcharges for debit card use. (8/1/26)

Maine

Enacted 9 June 2025
LD 1159: An Act To Prohibit Businesses From Refusing To Accept Cash For In-Person Payments
A person offering goods or services for sale at retail in person may not refuse payment in cash for sales of less than $2,000, require only electronic payment, post signs stating cash is not accepted, or charge higher prices to customers paying with cash.

Maryland

Enacted 26 May 2026
HB 191: Consumer Protection - Retail Transactions for Essential Consumer Goods - Cash Payments
A merchant may not prohibit cash payments, require credit or debit card use, or charge higher prices for cash versus cashless transactions when selling essential consumer goods or services in in-person retail transactions totaling at least $5 and less than $300, except for cash denominations greater than $20 or if the merchant provides a cash-to-prepaid-card device.
Took effect 1 October 2026

Mississippi

Enacted 17 March 2026
HB 547: Check cashers and MS Credit Availability licensees; authorize to pass credit/debit card fees to customers.
Check cashing businesses and credit availability licensees may pass third-party processing company fees for debit or credit card use to customers, provided they give clear and conspicuous notice before transaction completion disclosing the fee amount, that it is for card use, and which payment methods are affected. The fee is limited to the single transaction cost charged by the processor.
Took effect 1 July 2026

Nebraska

Enacted 17 April 2026
LB 838: Change provisions relating to the financial exploitation of vulnerable or senior adults, rules and codes of procedure, decedents' estates, inheritance taxes, deceptive trade practices, the Age-Appropriate Online Design Code Act, the Equipment Business Regulation Act, the Nebraska Money Transmitters Act, and the Nebraska Uniform Trust Code and provide for rounding of certain cash transaction amounts
A social media platform that accepts payment for advertising must establish identity verification for advertisers, fraud detection systems, unlawful impersonation detection, measures to prevent repeated offenses, a user reporting tool, and a law enforcement reporting process. After a fraudulent advertisement is reported, the platform must investigate within five business days and remove it within five business days of determination.

New Jersey

Enacted 8 July 2025
S 3961: Requires public and certain nonpublic schools to offer no-fee option to parents for making school lunch and other payments; requires payment processing platforms used by certain schools to provide users with information on user fees.*
Public and nonpublic schools must offer a no-fee option for direct payments for school meals, field trips, activity fees, and other goods or services at convenient times and places. Contracts with payment processing platforms must require clear disclosure of all fees, average annual fees, and availability of the no-fee option. All payment requests must include information about the no-fee option and associated platform fees.

New York

Enacted 21 November 2025
S 4153: Relates to prohibiting food stores and retail establishments from refusing to accept payment in cash
Food stores and retail establishments must accept cash payment from consumers. They may refuse cash bills over twenty dollars and cash for remote transactions not completed on premises. They cannot charge higher prices for cash purchases than cashless purchases, unless they provide an on-premises device converting cash to prepaid cards without fees or minimum deposits over one dollar.
Took effect 21 March 2026

North Dakota

Enacted 11 June 2025
SB 2002: AN ACT to provide an appropriation for defraying the expenses of the judicial branch; to provide an appropriation to the office of guardianship and conservatorship; to create and enact a new subsection to section 54-06-08.2 of the North Dakota Century Code, relating to credit and debit card fees; to amend and reenact sections 27-02-02 and 27-05-03 of the North Dakota Century Code, relating to the salaries of justices of the supreme court and salaries of district court judges; to provide for transfers; to provide for a report; and to provide an exemption.

Oklahoma

Enacted 28 May 2025
SB 677: Sales transactions; discounts inducing payment by cash, check, or similar means; options; disclosure; surcharges; repealing provision prohibiting surcharge on use of credit and debit card. Effective date.
Sellers may offer unlimited discounts for payment by cash, check, debit card, or similar means without limit. Sellers imposing surcharges on credit card payments must post notice at point of entry and point of sale, and surcharges cannot exceed two percent of the transaction or actual processing cost, whichever is less. Sellers must comply with Administrator of Consumer Affairs Credit regulations.
Took effect 1 November 2025

Tennessee

Enacted 29 April 2025
SB 766: Banks and Financial Institutions - As enacted, authorizes a premium finance company to impose and collect a convenience fee from an insured for use of certain payment methods; authorizes a premium finance company to charge and collect a handling charge for certain payment instruments when the payment instrument is not paid by the financial institution from which the instrument is drawn. - Amends TCA Title 56, Chapter 37.
A licensee may impose and collect a convenience fee from an insured paying by credit card, debit card, electronic funds transfer, electronic check, or other electronic means not exceeding actual third-party costs incurred for processing. A licensee must notify the insured of the fee amount before completing the transaction and provide an opportunity to cancel without incurring a fee. Licensees may charge a handling charge for dishonored payment instruments but not more than one handling charge per instrument.

Texas

Enacted 20 June 2025
HB 4134: Relating to a convenience fee for processing electronic payments for motor vehicles.
A holder of a retail installment contract or the holder's agent may collect a convenience fee for processing an electronic payment only if the fee is reasonably related to processing expenses, does not exceed the lesser of $10 or five percent of the payment amount, allows alternative payment methods without fees, does not establish electronic payment as the expected form of payment, and informs the buyer of the fee amount and alternative payment options before the buyer agrees to pay electronically.
Took effect 1 September 2025

Bills that moved most recently

The 25 open card surcharges and payment fees bills with the latest action. The Payments and Fintech Tracker follows all 132.

29 October 2026
New Jersey S 3225: Prohibits public utilities from assessing surcharges and certain fees.
What it would do: Prohibits public utilities from assessing surcharges on payment transactions, fees on customers making one-time payments instead of enrolling in automatic payments, and fees on customers receiving paper statements instead of paperless statements.
Passed chamber
29 September 2026
Michigan HB 6384: Consumer protection: unfair trade practices; refusing to accept cash in a retail sale of goods or services; prohibit. Amends sec. 3 of 1976 PA 331 (MCL 445.903).
What it would do: Adds to Michigan's consumer protection act a prohibition on requiring buyers to pay by credit or refusing to accept legal tender in retail sales of goods or services conducted in person.
In committee
4 August 2026
Congress S. 5229: SWIPES Act
What it would do: Amends federal fraud statutes to enhance penalties for gift card fraud, including up to 30 years imprisonment for offenses involving over 1,000 counterfeit or unauthorized access devices, and adds a mandatory 2-year consecutive sentence enhancement for fraud crimes knowingly committed against persons over age 60.
In committee
18 June 2026
New Jersey S 4107: Prohibits seller providing service or selling goods from charging surcharge to customer using debit card or gift card.*
What it would do: Prohibits sellers from charging surcharges when customers pay with debit cards, gift cards, or electronic benefit transfer cards. Requires sellers who impose credit card surcharges to clearly disclose the prohibition before payment. Violations are unlawful practices punishable by up to $10,000 for first offense and $20,000 for subsequent offenses.
Passed chamber
4 June 2026
New Jersey A 5110: Prohibits seller providing service or selling goods from charging surcharge to customer using debit card or gift card.*
What it would do: Prohibits sellers from charging a surcharge to customers using debit cards or gift cards for transactions in New Jersey. Violations are unlawful practices under existing consumer protection law.
Passed committee
20 May 2026
Michigan HB 5993: Insurance: other; credit card processing fees; allow insurance producers to collect. Amends sec. 1915 of 1956 PA 218 (MCL 500.1915) & adds sec. 1202a.
What it would do: Allows insurance agencies and producers to collect fees from insureds for credit card, debit card, electronic funds transfer, and other electronic payments, limited to actual costs incurred, with required advance notice and option to pay by check without fee.
In committee
15 May 2026
Missouri SB 1534: Modifies provisions relating to the exclusion of certain transactions from sales tax
What it would do: Repeals and reenacts section 144.010 of Missouri law to redefine terms used in the Sales Tax Law, including definitions for admission, business, captive wildlife, gross receipts, livestock, motor vehicle leasing company, and telecommunications service.
Passed chamber
14 May 2026
New York A 3304: Prohibits fees for any service rendered through a bank relating to the use of an electronic benefit transfer card issued by the state or certain departments or agencies thereof
What it would do: Prohibits banks, out-of-state banks operating in New York, foreign banking corporations, and ATM operators from imposing fees or surcharges on consumers for electronic benefit transfer services using state-issued benefit cards, effective 180 days after enactment for new contracts.
Passed chamber
6 May 2026
New York A 11283: Prohibits payment card networks from assessing penalties against small businesses or financial intermediaries who fail to comply with the credit card surcharge notice requirement
What it would do: Prohibits payment card networks from assessing penalties against small businesses or financial intermediaries for violating credit card surcharge notice requirements, and voids any contract clauses that would impose such penalties.
In committee
4 May 2026
New Jersey A 4829: Authorizes local governments to impose convenience fees for accepting electronic payments.
What it would do: Authorizes local units to assess and collect a convenience fee not exceeding $3 per electronic payment using credit cards, debit cards, or electronic funds transfer systems, in addition to existing service charges, while requiring local units to also offer traditional payment methods.
In committee
22 April 2026
Oklahoma HB 3041: Credit cards; discounts inducing payment by cash, check or similar means; setting maximum surcharge; effective date; emergency.
Passed chamber
2 April 2026
Missouri HB 3256: Requires retail businesses to accept cash as payment
What it would do: Requires retail businesses to accept United States currency as payment for goods or services, with exceptions for unattended fuel dispensers, security deposit transactions, certain prepaid card conversions, banks, credit unions, and multi-point-of-sale locations. Violations are class D misdemeanors punishable by fines up to $500 per transaction.
Passed committee
2 April 2026
Massachusetts H 319: An Act relative to transparency in optional credit card fees
What it would do: Requires sellers who impose surcharges for credit card use to disclose the surcharge amount and its relationship to the seller's cost of accepting credit cards on a conspicuous sign and on every receipt.
In committee
2 April 2026
Massachusetts H 375: An Act relative to transparency in credit card fees
What it would do: Requires sellers who impose surcharges on credit card purchases to disclose the surcharge amount and its relationship to the seller's cost of accepting credit cards on a conspicuous sign and on every receipt.
In committee
2 April 2026
Massachusetts H 4159: An Act relative to cardholder surcharges
What it would do: Allows sellers to impose a surcharge of one half of the processing fee on cardholders using credit or debit cards instead of cash or check, provided the surcharge is clearly stated on the bill or invoice before payment.
In committee
2 April 2026
Massachusetts H 447: An Act regarding credit card surcharging
In committee
2 April 2026
Massachusetts H 454: An Act relative to credit card surcharges
What it would do: Amends credit card surcharge law to permit sellers to offer discounts for cash or debit payments if properly posted, while prohibiting sellers from imposing surcharges on any payment method including credit cards.
In committee
1 April 2026
Oklahoma HB 3028: Consumer Credit Code; allowing the Department of Career and Technology Education to charge service fees for certain transactions; effective date.
What it would do: Amends the Consumer Credit Code to allow technology center school districts, public schools, private educational institutions, municipalities, and public trusts to charge service fees limited to bank processing fees, financial transaction fees, secure transaction costs, portal fees, and bandwidth costs for credit card transactions.
Passed chamber
23 March 2026
New Jersey A 4807: Prohibits seller from charging credit card surcharges; establishes notice requirements for credit card minimums and cash discounts.
What it would do: Prohibits sellers from imposing any credit card surcharge on customers in New Jersey. Requires sellers to post clear notice of credit card minimum transaction amounts and cash discounts at points of sale, online, or verbally depending on transaction type.
In committee
16 March 2026
New Jersey S 300: Prohibits businesses from charging convenience fees on cash transactions.
What it would do: Prohibits retail businesses from charging convenience fees or similar fees when buyers pay with legal tender cash, and establishes civil penalties of up to $2,500 for first offense and $5,000 for second offense, with certain exemptions for airports, parking facilities, car rental companies, and large venues.
Passed committee
11 March 2026
Florida HB 1221: Department of Financial Services
What it would do: Amends multiple Florida statutes governing the Department of Financial Services, including revisions to the My Safe Florida Home Program and Condominium Pilot Program eligibility requirements, unclaimed property procedures, insurance licensing standards, and financial management systems.
Passed committee
10 March 2026
Florida HB 951: One-cent Piece
What it would do: Authorizes rounding in-person cash transactions to the nearest nickel using specified methodology if one-cent pieces are no longer in production, and provides that such rounding is not a deceptive trade practice.
Passed committee
10 March 2026
Oklahoma SB 1940: Credit card transactions; prohibiting certain interchange fees; requiring certain payment card network to deduct certain amount; requiring certain rebate at certain time. Effective date.
What it would do: Excludes state or local taxes and gratuities from swipe fee calculations for credit card transactions in Oklahoma. Requires payment card networks to deduct these amounts at settlement or rebate merchants within 90 days of transaction, with a 30-day deadline after merchant submits proof.
Passed committee
10 March 2026
Oklahoma SB 2102: Credit card transactions; prohibiting issuers from charging certain fees; prohibiting issuers from penalizing merchants; requiring issuer to disclose information. Effective date.
What it would do: Prohibits credit card issuers with over $85 billion in consolidated assets and payment card networks from fixing swipe fees, charging disputed transaction fees without findings of fact, or penalizing merchants offering cash discounts. Requires disclosure of swipe fees to cardholders and merchants.
Passed committee
9 March 2026
Louisiana HB 659: FEES/LICENSES/PERMITS: Limits the amount of convenience fees charged for use of credit and debit cards for certain transactions
In committee

Questions

Which states have card surcharges and payment fees laws?

States that enacted card surcharges and payment fees laws in 2025 and 2026: Louisiana (2), California (1), Georgia (1), Illinois (1), Maine (1), Maryland (1), Mississippi (1), Nebraska (1), New Jersey (1), New York (1), North Dakota (1), Oklahoma (1), Tennessee (1) and Texas (1). Laws enacted before 2025 are not listed here.

Which states have the most card surcharges and payment fees bills?

New Jersey (18), Massachusetts (11), Oklahoma (8), Connecticut (7) and New York (7). In all, 132 bills in 42 jurisdictions, the latest action on 29 October 2026.

What do card surcharges and payment fees bills cover?

Credit and debit card surcharges, card processing and transaction fees passed to customers, cash discount programs, convenience fees, fee disclosure, virtual card payments, and requirements that businesses accept cash for in-person purchases. Each enacted law above has a line on what it requires.

Is this legal advice?

No. Which bills count as card surcharges and payment fees bills, and the line on what each law requires or each bill would do, are drafted by software and not reviewed by an attorney. Every bill links to the legislature’s own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

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