What about debit cards?

Visa and Mastercard U.S. rules prohibit surcharges on debit and prepaid cards, including when run as credit.

Is this legal advice?

No—this page summarizes public sources for education. Confirm current law with qualified counsel and your payment processor.

Michigan credit card surcharge law

Yes — no Michigan statute bans or caps surcharges; card-network rules apply.

Rule: Michigan consumer guidance: credit-card surcharges are allowed (not on debit or prepaid), within card-network caps.

Disclosure: Disclose surcharges before payment; do not surcharge debit or prepaid cards.

What this means for a $100 sale: On a $100 credit-card sale at a typical 2.9% + $0.30 rate, a compliant surcharge might be about $3.00 (customer pays about $103.00).

Open the surcharge calculator with Michigan preselected

Sources

Michigan AG — credit & debit card surcharges
Visa U.S. merchant surcharging Q&A
Mastercard merchant surcharge rules

Last reviewed: October 7, 2026

This page is for general information only and is not legal advice. Rules change—verify with primary sources and professional counsel before surcharging.