South Dakota credit card surcharge law
Yes — South Dakota consumer guidance allows checkout fees up to your processing cost (often described as capped at 4%), with disclosure.
Rule: South Dakota consumer guidance (not a surcharge statute) describes retailer “checkout fees” after the 2013 card-brand settlement: surcharge cannot exceed the merchant’s actual processing cost, with a 4% maximum cited as an industry cap, plus disclosure at entry, POS, or online checkout.
Disclosure: Disclose the surcharge amount before the customer pays; itemize on the receipt per SD consumer guidance.
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 South Dakota preselected
Sources
- South Dakota Consumer Protection — credit card checkout fee
- 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.