Surcharging in Minnesota.
Minnesota allows a surcharge on credit card payments when the practice discloses it and stays within the state limit. Debit cards are never charged extra.
Can a Minnesota dental practice add a credit card fee?
Yes. Minnesota law lets a business add a surcharge when a customer pays with a credit card, if the business discloses it first.
In the office, the practice tells the patient about the fee out loud at the time of sale and posts a sign where patients can see it. For an online or mobile payment, the notice appears during checkout. For a payment over the phone, the practice tells the patient out loud. Summit sets up your signs and receipts to match. Debit cards are never charged extra.
Source: Minn. Stat. 325G.051, Surcharges on credit cards. Statute text read from the Minnesota Revisor of Statutes on October 13, 2026.
How much can the fee be in Minnesota?
The statute says the surcharge may not be more than 5% of the purchase price. Summit's program sets the credit card fee at 3%.
That 3% is Summit's program rate and sits under the Minnesota limit. The state statute is one set of rules. Card brand rules are separate, and Summit sets up the program to follow them.
Source: Minn. Stat. 325G.051, Surcharges on credit cards. Statute text read from the Minnesota Revisor of Statutes on October 13, 2026.
What happens if a practice does not follow the rule?
A business that breaks the rule can face a civil penalty and must refund the surcharge to each patient.
This is why the oral notice and the sign matter. Summit sets up the disclosure steps before the first surcharged payment. This page is general information, not legal advice.
Source: Minn. Stat. 325G.051, Surcharges on credit cards. Statute text read from the Minnesota Revisor of Statutes on October 13, 2026.
Reviewed by Brendon Degner, founder. Last reviewed .
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