Credit card surcharge laws in Arizona (2026)
Allowed, card-network rules only
You can surcharge credit cards in Arizona under card-network rules; the state has no surcharge statute, and the 2026 bill that would have banned surcharges (SB 1623) died in committee.
The details
| Disclosure | No state rule; Consumer Fraud Act (A.R.S. 44-1521 et seq.) deception standard only. |
|---|---|
| Statute | No state statute on credit card surcharges found |
| Source check | Verified on the official site |
| Checked | Oct 7, 2026 |
How this entry was checked
Absence confirmed in the A.R.S. Title 44 heading index on azleg.gov (2,301 headings; no 'surcharge', 'convenience', 'payment card' or 'debit'; 'credit card' only in loan, receipt-truncation (44-1367) and credit-card-agreement (44-7801 to 44-7806) sections); proposed 44-7821 returns 404. SB 1623 (2026, Gowan) would have added 'A credit card merchant may not add a surcharge to any charge that is made using a credit card' plus a 15% interest cap; Senate second read 2026-02-04, final disposition 'Held in Committees'; session ended 2026-06-13 (from a secondary source). HB 2629 (2025, interchange on tax) failed on the House floor 2025-03-06. A.R.S. 35-142 lets state agencies add a treasurer-approved convenience fee or surcharge; it does not bind merchants. No AG guidance found.
What this means for each program in Arizona
| Surcharging | Allowed under the card-network rules below. No state cap or disclosure rule beyond those was found. |
|---|---|
| Cash discounting | Permitted under the card-network rules. The posted price is the card price and cash pays less; every card, debit included, pays the posted price. |
| Dual pricing | Treated like a cash discount in practice (our reading; no Arizona statute addresses dual pricing): the card price shown first with the cash price beside it, every card pays the card price, cash pays the cash price. |
Card-network rules apply everywhere a surcharge is allowed
- Credit cards only. Never debit or prepaid, even when the customer presses "credit."
- Capped at 3% and never more than your own cost of accepting credit cards.
- Disclosed at the entrance and at the register, and printed as its own line on the receipt.
- Your processor (acquirer) gets written notice at least 30 days before you start.
Source: Visa Core Rules and Visa Product and Service Rules, April 2026 edition, sections 5.5.1.5 to 5.5.1.9. Mastercard's rules are comparable; its current rulebook text was not verified for this guide.
Sources
- No state statute on credit card surcharges found. Source read: azleg.gov
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Get my fit checkThis guide is general information, not legal advice. Each entry was checked against the official statute, regulation, or court decision linked on the page, as of the date shown, by Cardeva, LLC. Laws change, legislatures are in session, and court rulings can alter the practical status of a statute that remains on the books. Before starting any surcharge, cash-discount, or dual-pricing program, confirm the rules for your state and your payment types with your processor and your own attorney. Any program Cardeva sets up starts only after your processor approves it in writing; rely on that approval and your own attorney, not this page. Nothing here is a guarantee of any outcome. See our Terms of Use. Think something has changed? Use the contact form or call (612) 250-6132.