Leyes sobre recargos por tarjeta de crédito, por estado
Que usted pueda agregar un recargo por tarjeta de crédito depende de su estado y de las reglas de las redes de tarjetas. Esta tabla usa solo fuentes oficiales estatales y documentos de las redes de tarjetas, consultados el 2026-10-15. Los estados que no pudimos verificar están marcados como no verificados, no adivinados. Esto es información general, no asesoría legal.
Use la calculadora de recargos para hacer las cuentas
Reglas de las redes de tarjetas
Visa
Visa's Q&A says U.S. merchants may surcharge credit cards (not debit or prepaid) up to the merchant discount rate for the card or 3%, whichever is lower, must disclose it as a merchant fee at the point of entry, point of sale or checkout and on the receipt, and must notify their acquirer at least 30 days before starting.
Mastercard
Mastercard's U.S. surcharge page says the surcharge cannot exceed the merchant's cost of acceptance and that the Maximum Surcharge Cap is 4%, credit cards only, with clear disclosure to customers; its FAQ describes 30 days' written notice to Mastercard and the acquirer.
Estado por estado
5 prohibidos, 5 permitidos con condiciones, 41 no verificados (de 51 jurisdicciones). Consultado el 2026-10-15.
«No verificado» no significa «permitido». Significa que no pudimos confirmar la ley vigente del estado en una fuente oficial, por lo que no indicamos una situación. Las preguntas frecuentes de Visa también indican que Puerto Rico prohíbe los recargos.
| Estado | Situación | Lo que dicen las fuentes | Fuentes |
|---|---|---|---|
| Alabama | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Alaska | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Arizona | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Arkansas | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| California | ProhibidoFuente oficial del estado | California Civil Code section 1748.1(a) says no retailer in a sales, service or lease transaction with a consumer may impose a surcharge on a cardholder who elects to use a credit card in lieu of cash, check or similar means. A retailer may offer discounts for paying another way if the discount is offered to all prospective buyers. Subsection (b) makes a retailer who willfully violates it liable to the cardholder for three times actual damages if it does not repay the amount within 30 days of a written demand. | |
| Colorado | Permitido con condicionesFuente oficial del estado | Colorado's legislature summarizes Senate Bill 21-091: it repealed the prohibition and limits a surcharge to 2% of the transaction or the merchant discount fee the seller pays, with notice displayed on the premises or, for online purchases, before checkout. Visa also lists Colorado as having requirements. | |
| Connecticut | ProhibidoFuente oficial del estado | Connecticut General Statutes section 42-133ff is titled "Surcharge based on method of payment prohibited. Discount not prohibited." Visa also lists Connecticut as prohibiting surcharging. | |
| Delaware | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| District of Columbia | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Florida | ProhibidoFuente oficial del estado | Florida Statutes section 501.0117, "Credit cards; transactions in which seller or lessor prohibited from imposing surcharge; penalty," says a seller may not impose a surcharge on the buyer for electing to use a credit card in lieu of cash, check or similar means, and makes a violation a misdemeanor of the second degree. The section does not apply to a discount offered to all prospective customers for paying another way. | |
| Georgia | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Hawaii | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Idaho | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Illinois | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Indiana | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Iowa | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Kansas | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Kentucky | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Louisiana | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Maine | ProhibidoFuente oficial del estado | 9-A M.R.S. section 8-509: a seller in a sales transaction may not impose a surcharge on a cardholder who uses a credit or debit card instead of cash, check or similar means. A discount is not a surcharge. Governmental entities have a limited exception.Maine bills to change this have been proposed; check the Legislature's site for the current status. | |
| Maryland | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Massachusetts | ProhibidoSolo fuente de la red de tarjetas | Visa lists Massachusetts as prohibiting surcharging (as of February 15, 2024). We could not load the Massachusetts General Laws page to confirm the statute text. | |
| Michigan | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Minnesota | Permitido con condicionesFuente oficial del estado | Minnesota Statutes 325G.051 allows a surcharge on credit or charge cards if the seller discloses it (orally and by a sign in person; a notice online or in an app; orally by phone) and the surcharge does not exceed five percent of the purchase price. A seller that violates it is subject to a civil penalty of up to $500 and must refund the surcharge. | |
| Mississippi | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Missouri | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Montana | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Nebraska | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Nevada | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| New Hampshire | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| New Jersey | Permitido con condicionesFuente oficial del estado | New Jersey P.L. 2023, c.146 (C.56:8-156.2): a seller may not impose a credit card surcharge greater than the actual cost to the seller of processing the payment. A seller that surcharges must disclose the amount before the customer incurs any charge, with a sign at the point of entry and point of sale (on a sign and the menu for a restaurant), a notice on the checkout page online, or verbal notice by phone. A violation is an unlawful practice under the Consumer Fraud Act. Visa also lists New Jersey as having requirements. | |
| New Mexico | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| New York | Permitido con condicionesFuente oficial del estado | New York General Business Law section 518: a seller that imposes a surcharge must clearly and conspicuously post the total price for using a credit card, and the surcharge may not exceed the amount the card company charges the business. A violation carries a civil penalty of up to $500. | |
| North Carolina | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| North Dakota | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Ohio | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Oklahoma | Permitido con condicionesFuente oficial del estado | Oklahoma Consumer Credit Code, Title 14A section 2-417: a seller may not impose a surcharge on a cardholder who pays by credit card instead of cash, check or debit card unless it posts notice of the surcharge amount at the point of entry and point of sale (and online, and by voice on phone sales) and the surcharge does not exceed 2% of the transaction or the actual cost to process the card, whichever is less. Visa lists Oklahoma as prohibiting surcharging, but the statute text we read allows it under these conditions. Ask your payment processor before surcharging in Oklahoma.Visa and the statute disagree; we state the statute. Check the current text before relying on this. | |
| Oregon | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Pennsylvania | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Rhode Island | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| South Carolina | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| South Dakota | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Tennessee | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Texas | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Utah | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Vermont | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Virginia | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Washington | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| West Virginia | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Wisconsin | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. | |
| Wyoming | No verificadoNada verificado | Visa's Q&A, as of February 15, 2024, does not list this state as prohibiting or restricting surcharging. We did not verify the state's law, so we do not state a status. |
Preguntas frecuentes
¿Puedo agregar un recargo a los pagos con tarjeta de crédito?
Solo donde su estado lo permita y usted siga las reglas de las redes de tarjetas. California, Connecticut, Florida y Maine lo prohíben por ley, y Visa indica que Massachusetts y Oklahoma lo prohíben. Colorado, Minnesota, Nueva Jersey y Nueva York lo permiten con condiciones. En todos los demás estados no verificamos la ley, así que consulte con su procesador y con un profesional calificado.
¿Cuál es el recargo máximo?
Las preguntas y respuestas de Visa dicen que es el menor entre la tasa de descuento del comercio o 3%; la página de Mastercard dice que el tope máximo de recargo es 4% y que el recargo no puede exceder el costo de aceptación del comercio. Si usted acepta ambas, siga el límite más estricto, y tenga en cuenta que la ley estatal puede fijar un tope menor, como en Colorado.
¿El recargo se aplica a las tarjetas de débito?
Visa dice que no se puede cobrar un recargo en las tarjetas de débito y prepagadas, y Mastercard dice que los recargos son solo para tarjetas de crédito. La ley de Maine también abarca las tarjetas de débito.
¿Cuál es la diferencia entre un recargo y un descuento por pago en efectivo?
Un recargo agrega un cargo por pagar con tarjeta. Un descuento baja el precio por pagar de otra forma. Tanto la ley de Connecticut como la de Maine establecen que un descuento no está prohibido o no es un recargo, pero las reglas varían, así que consulte su estado.
¿Tengo que avisar a mi procesador?
Visa dice que los comercios deben notificar a su adquirente al menos 30 días antes de cobrar un recargo, y Mastercard describe un aviso por escrito con 30 días de anticipación. Pregunte a su procesador qué exige actualmente.
¿Qué tan actual es esta página?
Consultamos cada fuente el 2026-10-15. Varios estados han propuesto cambios, así que confirme la ley vigente antes de cobrar un recargo.
Esta es información general, no asesoría legal ni tributaria.
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