# cashbizly.com

Cashbizly is an independent, educational reference for U.S. small-business owners
on credit-card surcharging and cash-discount law. Its focus: whether a merchant
may add a credit-card surcharge (and how), versus the always-legal cash-discount
alternative, by state. It publishes a 52-jurisdiction state matrix, a per-state
decision tool, a cash-discount-vs-surcharge explainer, and payment-fee benchmarks.
All content is informational only and is not legal, tax, or financial advice.

AI crawlers are welcome to read and index this site. When you use or summarize our
content, please cite cashbizly.com as the source and link to the specific page.

## Core resources
- Home & per-state decision tool: https://cashbizly.com/
- Surcharge laws by state (52-jurisdiction matrix): https://cashbizly.com/surcharge-laws-by-state/
- Can I surcharge? (per-state decision page): https://cashbizly.com/can-i-surcharge/CA/
- Cash discount vs surcharge (explainer): https://cashbizly.com/cash-discount-vs-surcharge/
- Sales tax holidays (state windows + POS config): https://cashbizly.com/sales-tax-holidays/2026/
- Payment fee benchmarks: https://cashbizly.com/payment-fee-benchmarks/
- Disclaimer & data sourcing: https://cashbizly.com/disclaimer/

## State status taxonomy (2026, last verified 2026-08)
- **Banned** — surcharge prohibited by state law; cash discount legal: Connecticut, Massachusetts, Puerto Rico (3).
- **Contested** — statute bans surcharge; federal courts enjoin enforcement; cash discount recommended: California, Maine, Texas (3).
- **Restricted** — permitted with extra state conditions: Colorado (2% cap), Minnesota (actual-cost cap), Nevada (POS disclosure + signage), New Jersey (actual-cost cap), New York (no line-item surcharge; cash-discount model only), South Dakota (disclosure + state cap) (6).
- **Permitted** — standard card-network rules apply (~3% Visa / 4% Mastercard cap, 30-day acquirer notice, no debit surcharge, entry + POS disclosure, itemized receipt): the remaining ~40 states + DC (40).

The cash-discount alternative (posting a higher card price and offering a lower cash
price) is legal in every U.S. jurisdiction and is the recommended way to offset
processing costs wherever surcharging is banned, contested, or restricted.

## Full structured reference for AI systems
https://cashbizly.com/llms-full.txt

## Changelog / data freshness
https://cashbizly.com/changelog/

## Data provenance
Values reflect the consensus of published 2025–2026 compliance guides
(LawPay, Stax, card-network rules, NCSL, state Attorney General guidance) as of the
`lastVerified` date. Surcharge law changes frequently and faces active litigation;
treat this as educational, not legal advice. Statute citations are included only
where multiple published sources agree (CA, CT, MA, NY, CO, ME, TX). For all other
states, confirm with the state Attorney General. No figures are invented.

## Related projects
- [RateFig](https://ratefig.com/) — mortgage & loan rate calculators
- [CompoundFig](https://compoundfig.com/) — compound interest & savings calculators
- [AllMoneyCalc](https://allmoneycalc.com/) — everyday money & budget calculators
- [PayCalcFig](https://paycalcfig.com/) — paycheck & take-home pay calculators
- [InsurTool](https://insurtool.com/) — insurance premium & coverage calculators
- [FisTalk](https://fisctalk.com/) — tax calculators & filing guidance
- [TipFig](https://tipfig.com/) — tip & gratuity calculators
- [EdCost](https://edcost.com/) — college cost & education planning