Missouri Credit Card Surcharge Law
Missouri credit card surcharge law allows surcharging. No state statute bans or caps it, so card network rules set the ceiling. The section people cite as Missouri's surcharge law is a lending statute that says nothing about what a dealership adds at the counter.
Missouri Allows Credit Card Surcharging
No ban, no cap, no disclosure statute. The state layer is empty.
As of July 2026, Missouri has no law banning, capping, or regulating credit card surcharges for private businesses. The legislature has looked at it and declined: a 2024 bill that would have capped surcharges never made it out of committee, and both the 2025 and 2026 sessions closed with nothing on the books. With no state statute in play, the card networks set the rules, the same as they do everywhere else surcharging is legal.
| Question | Answer |
|---|---|
| Status | Allowed |
| Cap | Card network caps |
| State statute | None for private merchants |
| Disclosure | Card network rules |
Missouri 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 cap 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. Missouri has no 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 Missouri 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.
Two Numbers, No State Layer
With no state statute on the books, Visa's 3 percent and Mastercard's 4 percent are the only numbers a Missouri dealership runs against. A standard 3 percent credit card surcharge sits inside Visa's cap.
What Missouri Law Actually Says
The section people point to is not a surcharge law at all.
Guides around the web cite Mo. Rev. Stat. 408.140 as if it were Missouri's surcharge law. It is not. That section sits in Missouri's finance and lending code, and it lists the charges a lender may add to a consumer loan, things like late fees, insurance premiums, and returned check fees. The word surcharge never appears in it.
The one card related piece, subsection 11, is narrow. It lets a business add a fixed or flat convenience fee on a card payment made through a remote channel, a phone or online payment where the card is not present, as long as the payer is told about the fee. It is not a point of sale surcharge rule, it sets no percentage, and it does not govern what a dealership adds when a customer taps or swipes at the counter. Missouri has no merchant surcharge statute at all; the card network rules are the whole rulebook.
Missouri has looked at changing that. House Bill 2383, introduced in the 2024 session, would have capped surcharges at a business's actual cost to process the transaction, required disclosure, and forced every merchant to offer a fee free way to pay. It died in committee and never became law. As of July 2026 no cap exists, and no surcharge bill passed in the 2025 or 2026 sessions either.
The Playbook Does Not Change
House Bill 2383 never became law, and the program already posts notice at the point of entry and the point of sale and itemizes the surcharge on the receipt. We track the state, not your front desk.
What This Means at the Counter
One playbook, and it is the network one.
The checklist at a Missouri counter is the card network playbook and nothing more. A standard 3 percent credit card surcharge sits inside Visa's cap, with notice posted at the point of entry, posted again at the point of sale, and the surcharge itemized as its own line on the receipt. Debit never carries a surcharge, no exceptions and no workarounds.
Because Missouri sets no cap of its own, the number that governs does not move with the legislative calendar. The 2024 cost cap proposal would have changed that math; it did not pass, so a standard 3 percent surcharge under the network ceiling is the rule at every Missouri store today.
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 Missouri Rules
Yes. Missouri has no state statute banning or capping credit card surcharges for private merchants. With nothing at the state level, the card networks' own rules govern instead.
Yes. Missouri has no state cap, so the card network ceilings govern: Visa caps credit card surcharges at 3 percent and Mastercard at 4 percent.
No. That section is part of Missouri's finance and lending code and lists the charges a lender may add to a consumer loan. Its one card related piece, subsection 11, only allows a flat convenience fee on a card not present payment, such as a phone or online payment, and the word surcharge never appears. Missouri has no merchant surcharge statute.
No. Debit, prepaid, and gift cards can never carry a surcharge, in Missouri or any other state. That is a card network rule, not a Missouri one.
No. House Bill 2383 in the 2024 session would have capped surcharges at a business's actual processing cost and required a fee free payment option, but it died in committee. The 2025 and 2026 sessions passed nothing on surcharges either, so no cap exists as of July 2026. For pricing and program questions beyond state law, see the FAQ page.
Straight Answers on Missouri
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