Credit card surcharge laws in Michigan (2026)
Allowed, card-network rules only
You can surcharge credit cards in Michigan under card-network rules; the state has no ban, cap, or disclosure statute of its own, and the Attorney General says so in its own consumer alert.
The details
| Debit and prepaid | No statute; the AG alert states Michigan has no law restricting debit surcharges either, but Visa/Mastercard rules still bar debit and prepaid surcharges. |
|---|---|
| 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 by site-restricted search of legislature.mi.gov (hits were tax definitions, UCC, a criminal statute, and dead 2013 bills SB 240 / HB 4255). AG alert verbatim: 'retailers must continue to abide by state laws that prohibit or restrict credit card surcharges. Michigan does not have any such law.' The AG alert's signage/receipt items restate card-network rules, not Michigan law. Sector rule: gas stations advertising a cash price must post the condition next to the price at half the price's lettering size (MCL 290.628e(1)(d)). General deception rules of the Michigan Consumer Protection Act (MCL 445.903) apply to misleading price displays.
What this means for each program in Michigan
| 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 Michigan 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: Michigan Attorney General consumer alert on credit and debit card surcharges
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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.