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.

Minnesota credit card surcharge law

Yes — Minnesota allows credit surcharges up to 5% of the sale.

Rule: Minn. Stat. §325G.051 caps credit-card surcharges at 5% of the transaction amount.

Disclosure: Disclose the surcharge before payment.

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 Minnesota preselected

Sources

Minn. Stat. §325G.051
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.