Puerto Rico credit card surcharge law
No — Puerto Rico prohibits credit and debit card surcharges.
Rule: 10 L.P.R.A. §11 (Law 150) prohibits surcharges on credit and debit card payments. The First Circuit upheld the ban in 2025; DACO also treats many cash discounts as barred.
Disclosure: Surcharges are prohibited; consult local counsel on pricing models.
Debit: Debit surcharges are prohibited.
What this means for a $100 sale: On a $100 credit-card sale, a surcharge is not allowed here (customer pays $100.00).
Open the surcharge calculator with Puerto Rico preselected
Sources
- Asociación de Detallistas de Gasolina de P.R. v. Commonwealth (1st Cir. 2025)
- 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.