Where MainStreet works: all 50 states
There is no state where you can't use MainStreet. What changes is how the card cost is presented. Where a separate surcharge line is banned, we switch you to dual pricing or a cash discount — legal everywhere — automatically.
True in every state
- • Debit and prepaid cards can never be surcharged, even where credit surcharging is legal.
- • A surcharge can never be more than what you actually pay to accept the card.
- • The card price must be disclosed at your entrance, at the register, and before the customer taps.
- • The card fee prints as its own line on every receipt.
- • Tips are never surcharged.
| State | Surcharge line | Max surcharge | What we use | Notes |
|---|---|---|---|---|
| Alabama | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Alaska | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Arizona | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Arkansas | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| California | Not allowed | — | Dual pricing (cash & card price shown) | California bars adding a separate card fee on top of an advertised price. Dual pricing is the compliant route: post the cash price and the card price side by side. |
| Colorado | Allowed | 2.00% | Card surcharge line | Colorado caps card surcharges at 2% and requires posted notice at the entrance and the register. |
| Connecticut | Not allowed | — | Dual pricing (cash & card price shown) | Connecticut prohibits credit-card surcharges outright. Cash discounts and dual pricing remain legal. |
| Delaware | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| District of Columbia | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Florida | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Georgia | Allowed | 3.00% | Card surcharge line | Georgia allows surcharging but it can never exceed your actual cost of accepting the card. |
| Hawaii | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Idaho | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Illinois | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Indiana | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Iowa | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Kansas | Not allowed | — | Dual pricing (cash & card price shown) | Kansas struck down its surcharge ban, but fees must be built into the price you advertise rather than added at checkout. Dual pricing keeps you clear. |
| Kentucky | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Louisiana | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Maine | Not allowed | — | Dual pricing (cash & card price shown) | Maine prohibits credit-card surcharges. Offer a cash discount or dual pricing instead. |
| Maryland | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Massachusetts | Not allowed | — | Dual pricing (cash & card price shown) | Massachusetts prohibits credit-card surcharges. Cash discounts and dual pricing are the legal alternatives. |
| Michigan | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Minnesota | Not allowed | — | Dual pricing (cash & card price shown) | Minnesota requires mandatory fees to be included in the advertised price. Show a card price and a cash price rather than a checkout add-on. |
| Mississippi | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Missouri | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Montana | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Nebraska | Allowed | 3.00% | Card surcharge line | Nebraska allows surcharging but it can never exceed your actual cost of accepting the card. |
| Nevada | Allowed | 3.00% | Card surcharge line | Nevada allows surcharging but it can never exceed your actual cost of accepting the card, and it must be disclosed before payment. |
| New Hampshire | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| New Jersey | Allowed | 3.00% | Card surcharge line | New Jersey allows surcharging capped at your actual cost of acceptance, with the card price posted clearly. |
| New Mexico | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| New York | Allowed | 3.00% | Card surcharge line | New York requires the total card price to be posted in dollars — not as a percentage — and the surcharge can't exceed your cost of acceptance. |
| North Carolina | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| North Dakota | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Ohio | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Oklahoma | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Oregon | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Pennsylvania | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Puerto Rico | Not allowed | — | Dual pricing (cash & card price shown) | Puerto Rico prohibits credit-card surcharges. Cash discounts and dual pricing remain available. |
| Rhode Island | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| South Carolina | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| South Dakota | Allowed | 3.00% | Card surcharge line | South Dakota allows surcharging but it can never exceed your actual cost of accepting the card. |
| Tennessee | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Texas | Not allowed | — | Dual pricing (cash & card price shown) | Texas law prohibits credit-card surcharges. Cash discounts, dual pricing, and service fees that are part of the listed price are allowed. |
| Utah | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Vermont | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Virginia | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Washington | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| West Virginia | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Wisconsin | Allowed | 3.00% | Card surcharge line | Card surcharging is allowed up to the 3% card-network cap, and never above what you actually pay to accept the card. Disclose it at the door and at the register. |
| Wyoming | Allowed | 3.00% | Card surcharge line | Wyoming allows surcharging up to the network cap and caps cash discounts at 5%. |
Last reviewed 2026-08-12. General information, not legal advice — confirm with your processor and attorney before switching pricing modes.