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.

Montana credit card surcharge law

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

Rule: No Montana statute caps or bans credit-card surcharges for private merchants. HB 658 (2023) died in Senate committee on May 8, 2023; SB 528 (2025) died May 23, 2025. MCA 7-6-617 authorizes a 3% charge only when local governments accept credit cards for payments owed to the government — not merchant surcharges.

Disclosure: Follow Visa/Mastercard U.S. merchant surcharging rules.

Notes: Private-merchant surcharge bills HB 658 (2023) and SB 528 (2025) did not become law.

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).

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Sources

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.