Mississippi Credit Card Surcharge Law
Mississippi 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. This page walks through what actually governs, clears up the myth of a federal cap, and covers what a dealership needs to get right at the counter.
Mississippi Allows Credit Card Surcharging
No statute bans it, caps it, or sets disclosure rules for it. Not one on the books for private merchants.
As of July 2026, Mississippi 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 Mississippi law. There simply is not one on the books for a private business like a dealership. Card network rules do the governing instead, and they are covered in full below.
| 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 |
Mississippi 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. Mississippi 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 Mississippi 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.
There Is No Federal Surcharge Cap
Some guides claim a federal law caps credit card surcharges at 4 percent. There is no federal statute that caps credit card surcharges. The real ceilings come from the card networks: Visa at 3 percent, Mastercard at 4 percent. The debit prohibition works the same way. It is a card network rule, not a federal surcharge statute.
What This Means at the Counter
The counter just needs three things right.
A standard 3 percent 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 Mississippi 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 Mississippi Rules
Yes. Mississippi 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 Mississippi. Mastercard allows up to 4 percent under its own rules.
No. As of July 2026, Mississippi has no state statute that bans, caps, or sets disclosure rules for private-merchant credit card surcharges. Card network rules set the ceiling and the disclosure standard instead.
No. There is no federal statute that caps credit card surcharges. Some guides describe a 4 percent federal cap, but that number is Mastercard's network ceiling, not a federal law. Visa caps at 3 percent under its own rules, and those network caps are what a Mississippi dealership runs against.
No. Debit, prepaid, and gift cards can never carry a surcharge, in Mississippi 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. For pricing and program questions beyond state law, see the FAQ page.
Straight Answers on Mississippi
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