Credit card surcharge laws in Utah (2026)
Allowed, card-network rules only
You may surcharge credit cards in Utah under card-network rules only; the state's 2013 ban (former Utah Code § 13-38a-302) sunset on June 30, 2014 and nothing has replaced it.
The details
| Cap | None in state law. |
|---|---|
| Disclosure | No surcharge-specific or total-price statute; Utah Consumer Sales Practices Act (§ 13-11-4) general deception standard. |
| Debit and prepaid | Not addressed by current statute. |
| Statute | No statute on credit card surcharges found (former Utah Code §§ 13-38a-301, -302 repealed by sunset June 30, 2014) |
| Court decision | None found. |
| Last change | 2014-06-30 (ban sunset per 2013 S.B. 67 § 8, Utah Code § 63I-1-213(2)); no change since |
| Source check | Verified on the official site |
| Checked | Oct 7, 2026 |
How this entry was checked
Legislature's Solr code search for 'surcharge' 'credit card' returns only the pre-sunset § 13-38a-302 documents; current chapter 38a has no surcharge text. 2014 H.B. 330 to repeal early died (moot). Salt Lake City Code § 3.16.060 'Credit Card Surcharge' concerns the City's own fee (from a secondary source, not read). Section last reviewed 2026-10-06.
What this means for each program in Utah
| 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 Utah 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- No statute on credit card surcharges found (former Utah Code §§ 13-38a-301, -302 repealed by sunset June 30, 2014). Source read: le.utah.gov
Free fee-program fit check
Send us your statement and we'll tell you which program fits Utah, show the monthly math, and set it up with your processor's written approval.
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.