Credit card surcharge laws in Wyoming (2026)
Allowed, card-network rules only
You may surcharge credit cards in Wyoming under card-network rules only; the state has no surcharge statute, and the '5% cash discount cap' trackers cite (W.S. 40-14-209(b)(v)) is a consumer-credit finance-charge definition that recognizes cash discounts up to 5% rather than a limit on merchants, so keep cash-discount and dual-pricing programs at or under 5% to stay on settled ground.
The details
| Cap | None in state law for surcharges (network caps only). W.S. 40-14-209(b)(v) excludes a cash discount 'not in excess of five percent (5%)' from the 'credit service charge' definition if offered to all buyers and clearly and conspicuously disclosed; a larger discount is untested, not prohibited (judgment). |
|---|---|
| Disclosure | No surcharge-specific or total-price statute; Wyoming Consumer Protection Act, W.S. 40-12-105, general deceptive-practices standard. Cash discounts within § 40-14-209(b)(v) must be offered to all prospective buyers and disclosed clearly and conspicuously. |
| Debit and prepaid | Not addressed by statute. |
| Statute | No statute on credit card surcharges found (related: W.S. 40-14-209(b)(v), Wyoming Uniform Consumer Credit Code) |
| Court decision | None found. |
| Source check | Verified on the official site |
| Checked | Oct 7, 2026 |
How this entry was checked
All 41 LSO title PDFs (wyoleg.gov/statutes/compress/, generated 2026-05-08) downloaded, converted and searched 2026-10-07: 'surcharge' never appears within two lines of 'credit card', 'debit card', 'charge card' or 'cardholder'. Government fees only: W.S. 9-4-217(h) (state agencies must 'clearly and conspicuously disclose any debit or credit card fees ... at the time the fees are collected,' including on payment websites; fee limited to processing cost), 5-9-154(c), 15-1-103, 18-3-505. No AG guidance found. Amendment history of § 40-14-209 not shown in the LSO PDF (UNVERIFIED).
What this means for each program in Wyoming
| Surcharging | Allowed under the card-network rules below. No state cap or disclosure rule beyond those was found. |
|---|---|
| Cash discounting | Permitted. The posted price is the card price and cash pays less. Wyoming law speaks to discounts; see the Disclosure row above and the statute before setting the program. |
| Dual pricing | Treated like a cash discount in practice (our reading; no Wyoming statute addresses dual pricing), so Wyoming's discount rules apply: the card price shown first with the cash price beside it, and cash pays the cash price. Check the statute for which payment types must get the lower 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 (related: W.S. 40-14-209(b)(v), Wyoming Uniform Consumer Credit Code). Source read: wyoleg.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.