Pre-Launch Surcharge Compliance Checklist (2026)
A single master checklist before you flip the switch — covers state, network, disclosure, terminal, and receipts.
Last verified: 2026-09 · Educational reference, not legal advice
Before you go live
- Confirm your state allows surcharging (banned in CT, MA, PR; contested in CA, TX, ME; restricted in several).
- Choose surcharge or cash discount; if surcharge, cap at the lower of 3% (Visa) / 4% (Mastercard) or actual cost.
- Submit the ~30-day notice to your acquirer / networks.
- Configure the terminal/POS to exclude debit cards.
- Post signage at entrance and at point of sale.
- Confirm the receipt shows the surcharge as a separate line.
- Train staff on disclosure and the tip/refund math.
- Run a live test transaction and read the receipt.
Ongoing
- Re-check state law each quarter (it changes).
- Keep the notice on file with your acquirer.
- Audit receipts monthly for the separate line.
Skipping the 30-day notice or the debit exclusion are the two most common (and most penalized) mistakes.
Confirm your state status.Open the decision tool →
Related guides
Frequently asked questions
Confirming your state allows it — surcharging in a banned state is the fastest way to a fine or an AG letter.
Yes — card networks require advance notice to your acquirer before you surcharge; going live early breaches the rule.
No — posted entrance and POS signage are required; verbal disclosure alone is not sufficient.
Educational content, not legal advice. Cashbizly is an independent educational resource. Nothing here is personalized legal advice and it does not replace a licensed attorney or your state’s Attorney General.
Our state-by-state status reflects the consensus of published 2025–2026 compliance guides (card-network rules, LawPay, Stax, NCSL) as of the “last verified” date on each page. Surcharge law changes frequently and is actively litigated — always confirm current figures with your state Attorney General or a professional. Read our full disclaimer.