Check your state's surcharge rules.

Alabama has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Alaska has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Arizona has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Arkansas has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

California still has an old surcharge ban on the books, but the state Attorney General generally does not enforce it after a 2018 federal court ruling. A practice that surcharges should keep it within card-brand limits, disclose it before payment, and never advertise a lower price than it charges. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: Cal. Civ. Code 1748.1 (ban; not enforced per AG after Italian Colors v. Becerra, 9th Cir. 2018); Civ. Code 1770(a)(29) (SB 478)

Last checked: October 14, 2026

Under C.R.S. 5-2-212(1)(c)(II), Colorado practices can add a credit card surcharge up to their actual processing cost (the merchant discount fee). Card brand rules then cap it at 3% for offices that take Visa. Colorado requires a posted sign, a separate receipt line, and only one fee per payment. We check the rules before setup and set up your signs and receipts to match. Debit cards are never charged extra.

Cap: your actual processing cost, up to 3%

Source: C.R.S. 5-2-212

Colorado rules in detail

Last checked: October 14, 2026

Connecticut does not allow a surcharge for any payment method. A practice can offer a posted cash discount instead, shown in the office, online before checkout, and out loud on phone payments.

Source: Conn. Gen. Stat. 42-133ff, as amended by Public Act 24-142 s.28

Last checked: October 14, 2026

Delaware has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

DC has no law banning credit card surcharges, but any surcharge must be shown before the patient is committed to pay, and DC practices must accept cash. Card-brand rules cap it at 3% or actual processing cost, whichever is lower. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: D.C. Code 26-131.08 and 28-5402; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Florida still lists a ban on credit card surcharges, but a federal appeals court struck it down in 2015, so card-brand rules apply in practice: up to 3% or actual processing cost, whichever is lower. Debit cards are never charged extra.

Cap: No state % cap; card-brand rules apply

Source: Fla. Stat. 501.0117 (ban held unenforceable, Dana's Railroad Supply v. AG, 11th Cir. 2015)

Last checked: October 14, 2026

Georgia has no general state law that limits credit card surcharges for dental practices, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: O.C.G.A. 13-1-15 (does not apply to dental practices); Visa Core Rules 5.5.1

Last checked: October 14, 2026

Hawaii has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Idaho has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Illinois has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Indiana has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Iowa has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Kansas practices can add a credit card surcharge if the amount is posted clearly at the entrance or checkout before payment. Card-brand rules hold it to 3% or your processing cost. Debit cards are never charged extra.

Cap: No state % cap; card-brand rules apply

Source: K.S.A. 16a-2-403

Last checked: October 14, 2026

Kentucky has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Louisiana practices can add a credit card surcharge within card-brand limits: up to 3% or actual processing cost, whichever is lower. Since August 1, 2026, state law also bans any surcharge on debit cards. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: La. R.S. 51:3081-3082 (SB254, Act 751 of 2026); Visa Core Rules 5.5.1

Last checked: October 14, 2026

Maine does not allow surcharges on credit or debit cards. A practice can offer a cash discount if the regular price is shown first and just as clearly.

Source: Me. Rev. Stat. tit. 9-A, 8-509

Last checked: October 14, 2026

Maryland has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Massachusetts does not allow credit card surcharges. A practice can offer a cash discount to every patient if it is clearly posted.

Source: Mass. Gen. Laws ch. 140D, 28A(a)(2)

Last checked: October 14, 2026

Michigan has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Minnesota is reviewed. A practice may add a credit card fee if it tells the patient out loud at the time of sale, posts a sign, and keeps the fee within the state limit. The rule is Minn. Stat. 325G.051. Read the Minnesota surcharging guide. Debit cards are never charged extra.

Last checked: October 14, 2026

Mississippi has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Missouri has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Montana has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Nebraska has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Nevada has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

New Hampshire has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

New Jersey practices can add a credit card surcharge up to their actual processing cost, disclosed before payment. Debit cards are never charged extra.

Cap: Processing cost

Source: N.J.S.A. 56:8-156.1 to 156.2 (P.L. 2023, c.146)

Last checked: October 14, 2026

New Mexico has no state law that limits credit card surcharges, so card-brand rules apply: up to 3% or actual processing cost, whichever is lower. Albuquerque practices must also give notice before the sale under a city ordinance. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

New York practices can add a credit card surcharge up to their processing cost, but must show the full credit card price in dollars and cents, not just a percentage. Debit cards are never charged extra.

Cap: Processing cost (and card-brand 3%)

Source: N.Y. Gen. Bus. Law 518

Last checked: October 14, 2026

North Carolina has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

North Dakota has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Ohio has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Oklahoma practices can add a credit card surcharge of up to 2% or their processing cost, whichever is lower, since November 1, 2025. The fee must be posted at the entrance and checkout, and patients must have a way to pay without it. Debit cards are never charged extra.

Cap: Lesser of 2% or processing cost

Source: Okla. Stat. tit. 14A, 2-211 (SB 677, 2025)

Last checked: October 14, 2026

Oregon has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Pennsylvania has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Puerto Rico does not allow surcharges on credit or debit cards. A practice can offer a cash discount to every patient.

Source: P.R. Laws tit. 10, 11 (Act 150-2008)

Last checked: October 14, 2026

Rhode Island has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

South Carolina has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

South Dakota has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Tennessee has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Texas law still lists a credit card surcharge ban. A 2018 federal ruling blocked it for merchants who charge no more than their card cost, and the Attorney General says it can still apply in some cases, so Texas practices should keep any fee at or below actual processing cost and disclose it before payment. State law separately bans debit surcharges. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: Tex. Bus. & Com. Code 604A.0021 (credit; ban held unenforceable) and 604A.002 (debit ban)

Last checked: October 14, 2026

Utah has no specific surcharge law, but state consumer protection guidance requires telling patients the exact fee before they pay, and the fee cannot exceed your real processing cost if you call it a card fee. Card-brand rules cap it at 3% or cost, whichever is lower. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Vermont has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Virginia has no law that limits credit card surcharges, so card-brand rules apply: up to 3% or actual processing cost, whichever is lower. Since July 2025, any fee every patient must pay has to be in the displayed price, so keep the card fee optional with another way to pay. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Washington has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

West Virginia has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Wisconsin has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026

Wyoming has no state law that limits credit card surcharges, so card-brand rules apply. A practice can add up to 3% or its actual processing cost, whichever is lower, with notice at the front desk and on the receipt. Debit cards are never charged extra.

Cap: Card-brand rules: lesser of your processing cost or 3% (Visa)

Source: No state statute found; Visa Core Rules 5.5.1

Last checked: October 14, 2026