Billing

Credit Card Surcharge Laws by State: A Guide for AEC Pros

John Lehman
March 05, 2021

The practice of implementing a surcharge to recoup the costs of credit card processing fees was illegal across the country for several decades. However, thanks to a class action lawsuit in 2013, a large number of states began permitting the practice, with more and more states following suit over the course of the decade. Here, we’ll provide AEC professionals with the most up-to-date information we have on the legal status of credit card surcharges on a state-by-state basis.

Alabama

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Alabama Attorney General

Alaska:

Surcharging Outlawed? No Discount for Paying By Card? No Resources: State of Alaska Department of Law

Arizona:

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Arizona Attorney General

Arkansas:

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Arkansas Attorney General

California:

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: California Attorney General

Colorado:

Surcharging Outlawed? Yes Discount for Paying By Card? Yes Resources: Colorado Attorney General

Connecticut:

Surcharging Outlawed? Yes Discount for Paying By Card? Yes Resources: Connecticut Attorney General

Delaware:

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Delaware Attorney General

Florida:

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Florida Attorney General

Georgia

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Georgia Attorney General

Hawaii

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Hawaii Attorney General

Idaho

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Idaho Attorney General

Illinois

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Illinois Attorney General

Indiana

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Indiana Attorney General

Iowa

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Iowa Attorney General

Kansas

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Kansas Attorney General

Kentucky

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Kentucky Attorney General

Louisiana

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Louisiana Attorney General

Maine

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Maine Attorney General

Maryland

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Maryland Attorney General

Massachusetts

Surcharging Outlawed? Yes Discount for Paying By Card? Yes Resources: Massachusetts Attorney General

Michigan

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Michigan Attorney General

Minnesota

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Minnesota Attorney General

Mississippi

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Mississippi Attorney General

Missouri

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Missouri Attorney General

Montana

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Montana Attorney General

Nebraska

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Nebraska Attorney General

Nevada

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Nevada Attorney General

New Hampshire

Surcharging Outlawed? No Discount for Paying By Card? No Resources: New Hampshire Attorney General

New Jersey

Surcharging Outlawed? No Discount for Paying By Card? No Resources: New Jersey Attorney General

New Mexico

Surcharging Outlawed? No Discount for Paying By Card? No Resources: New Mexico Attorney General

New York

Surcharging Outlawed? No Discount for Paying By Card? No Resources: New York Attorney General

North Carolina

Surcharging Outlawed? No Discount for Paying By Card? No Resources: North Carolina Attorney General

North Dakota

Surcharging Outlawed? No Discount for Paying By Card? No Resources: North Dakota Attorney General

Ohio

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Ohio Attorney General

Oklahoma

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Oklahoma Attorney General

Oregon

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Oregon Attorney General

Pennsylvania

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Pennsylvania Attorney General

Rhode Island

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Rhode Island Attorney General

South Carolina

Surcharging Outlawed? No Discount for Paying By Card? No Resources: South Carolina Attorney General

South Dakota

Surcharging Outlawed? No Discount for Paying By Card? No Resources: South Dakota Attorney General

Tennessee

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Tennessee Attorney General

Texas

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Texas Attorney General

Utah

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Utah Attorney General

Vermont

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Vermont Attorney General

Virginia

Surcharging Outlawed? No Discount for Paying By Card? No Resources: Virginia Attorney General

Washington

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Washington Attorney General

West Virginia

Surcharging Outlawed? No Discount for Paying By Card? No Resources: West Virginia Attorney General

Wisconsin

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Wisconsin Attorney General

Wyoming

Surcharging Outlawed? No Discount for Paying By Card? Yes Resources: Wyoming Attorney General

Depending on your location, being able to implement a surcharge can make offering the option to pay by credit card much easier to manage financially. You can offer you clients the payment options they prefer to use, while minimizing the costs associated with them on your end. It’s a win-win for both of you!

See for yourself how DesignPay can streamline your billing process. Schedule a demo today!