Arizona Credit Card Surcharge Law
Arizona credit card surcharge law allows surcharging. There is no state statute or state cap for private merchants today, so card network caps set the ceiling. Lawmakers did try to ban surcharging outright in 2026, and that attempt died without passing.
Arizona Allows Credit Card Surcharging
No statute bans it, caps it, or sets disclosure rules for it. Not one on the books for private merchants.
Arizona has no state statute in force that bans, caps, or imposes disclosure requirements on credit card surcharges by private merchants. A dealership charging a standard credit card surcharge is not working around any Arizona law. There simply is not one on the books for a private business like a dealership.
Lawmakers did try to change that in 2026. A ban bill was introduced and it died without passing. See the Senate Bill 1623 section below for the full story on what it would have done and why it never became law.
| Question | Answer |
|---|---|
| Status | Allowed |
| Cap | Card network caps |
| State statute | None for private merchants |
| Disclosure | Card network rules: post it and put it on the receipt |
Arizona is one of 47 states where surcharging is legal. See the full table at credit card surcharge laws by state.
The Card Networks Set the Ceiling
With no state statute on the books, Visa and Mastercard's own rules do the work.
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Visa: 3% Cap
In force nationwide since April 2023. Arizona has no lower state ceiling.
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Mastercard: 4% Cap
Same network standard as Visa applies, just a higher ceiling.
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Debit Never Surcharges
Debit, prepaid, and gift cards can never carry a surcharge, in Arizona or anywhere else.
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Disclosure Is Mandatory
Post notice at the door and the counter, and show the surcharge as its own line on the receipt.
No State Cap Does Not Mean No Ceiling
A missing state statute is not an open field. Visa's 3 percent and Mastercard's 4 percent still apply to every Arizona dealership, and they are the only numbers a dealership needs to run against today. A standard 3 percent credit card surcharge sits inside Visa's cap.
The 2026 Ban That Didn't Pass
It stalled after its second reading in the Senate and died when the session ended.
Senate Bill 1623 was introduced in the Arizona Legislature on February 4, 2026, during the second regular session of the Fifty-seventh Legislature. It was a broader credit card bill, not a surcharge-only bill. It would have capped credit card interest rates at 15 percent and capped late fees at 10 dollars, and inside that same bill sat a flat ban on merchant surcharging: a credit card merchant could not add a surcharge to any charge made using a credit card, full stop, no cap, no exceptions.
Enforcement would have run through the state attorney general's office. The bill also carried an emergency clause, a provision that would have made it take effect immediately on signing rather than on the state's usual delayed start date. Neither of those provisions matters today, because the bill never got that far.
Senate Bill 1623 stalled after its second reading in the Senate. It never advanced past that stage. The Arizona Legislature adjourned its 2026 session for good on June 13, 2026, and the bill died with the session, unpassed. It is not law. Surcharging remains legal in Arizona today, exactly as described in the Verdict section above.
What Stays True Regardless
A compliant, disclosed surcharge program already runs inside the network rules today. We track the state, not your front desk.
What This Means at the Counter
The counter just needs three things right.
A standard 3% credit card surcharge sits inside Visa's cap and stays disclosed the same way every other surcharging state requires: notice at the point of entry, notice at the point of sale, and the surcharge itemized as its own line on the receipt. Debit never carries a surcharge, in Arizona or anywhere else, no exceptions and no workarounds. We track the state, not your front desk.
Payments post straight to the repair order in CDK Drive, so the surcharge line shows up where your advisors already work. See the full mechanics on the surcharge program page, or walk through exactly what happens at the terminal on the how it works page.
Straight Answers on Arizona Rules
Yes. Arizona has no state statute that bans or caps credit card surcharges for private merchants. Card network rules govern instead.
Yes. With no state cap, Visa's 3 percent ceiling governs credit card surcharges in Arizona. Mastercard allows up to 4 percent under its own rules.
No. Senate Bill 1623 would have banned merchant surcharges outright. It stalled after its second reading in the Senate and died when the legislature adjourned on June 13, 2026 without passing it. Surcharging remains legal in Arizona.
No. Debit, prepaid, and gift cards can never carry a surcharge, in Arizona or any other state. That is a card network rule, not a state one, and it follows the card itself regardless of how it runs at the terminal.
Arizona has no state disclosure statute for private merchants. The standard comes from the card networks: post notice at the point of entry, post it again at the point of sale, and show the surcharge as its own line on the receipt. For pricing and program questions beyond state law, see the FAQ page.
Straight Answers on Arizona
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