Credit card surcharge laws in Missouri (2026)
Allowed, card-network rules only
You can surcharge credit cards in Missouri under card-network rules; the state has no ban, cap, or disclosure statute, and the 'convenience fee' rule trackers cite (RSMo 408.140) governs lenders collecting loan payments, not retail surcharges.
The details
| 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 revisor.mo.gov; hits were RSMo 488.015 (court clerks), 408.140(11) (creditor convenience fee on card-not-present loan payments, must be disclosed and fixed/flat; 'Effective - 28 Aug 2024'), and 407.430-407.436 (receipt rules). RSMo 407.1550, which HB 2383 (2024) would have created to cap surcharges at processing cost and require a dollar-amount disclosure and a no-fee cash/check option, does not exist; the bill died. SB 354 (2013), which would have banned merchant surcharges, died after a March 25, 2013 hearing. Trackers quoting a Missouri dollar-amount disclosure rule are quoting the dead bill. Missouri Merchandising Practices Act (RSMo 407.020) general deception rules apply.
What this means for each program in Missouri
| 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 Missouri 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: revisor.mo.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.