Oklahoma Credit Card Surcharge Law
Oklahoma credit card surcharge law has allowed surcharging since November 1, 2025, capped at 2 percent, or the actual cost of processing if that is lower, with strict notice rules in place before the customer pays.
Oklahoma Allows Credit Card Surcharging
Legal since November 1, 2025, capped at 2 percent, with strict notice required before the sale.
Oklahoma allows credit card surcharging, with limits, as of November 1, 2025. A dealership may add a surcharge of up to 2 percent of the transaction, or the actual cost of processing the card if that figure is lower, and has to tell the customer about it before the card is run.
As of July 2026, that is the live rule statewide. For decades, Oklahoma law flatly banned credit card surcharges, and a fair amount of what is still published online repeats that ban as current fact. It is not. The ban came off the books when the new law took effect on November 1, 2025.
| Question | Answer |
|---|---|
| Status | Allowed with limits |
| Cap | 2 percent, or actual processing cost if lower (state law) |
| Where the rule lives | 14A O.S. Section 2-211 |
| Disclosure | Posted notice at the door and the point of sale; home page and checkout online; spoken on the phone |
Oklahoma is one of 47 states where surcharging is legal. See the full table at credit card surcharge laws by state.
Oklahoma's Cap Binds First
The state figure sits below both card network ceilings, so state law does the limiting.
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Visa: 3% Cap
Visa caps credit card surcharges at 3 percent nationwide.
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Mastercard: 4% Cap
Mastercard caps credit card surcharges at 4 percent nationwide.
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Debit Never Surcharges
Debit, prepaid, and gift cards can never carry a surcharge, in Oklahoma or anywhere else.
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Disclosure Is Mandatory
The customer learns about the surcharge before they pay, every channel, every time.
The State Cap Binds First
Most states with a surcharge cap set it above what Visa and Mastercard already allow, so the network rules end up doing the limiting. Oklahoma runs the other way: its 2 percent cap sits below both network ceilings, so in Oklahoma the state law is the tighter number. Both ceilings apply at the same time, and the strictest one wins.
There is no federal cap on surcharges. The 3 and 4 percent figures above are card network rules, not government limits.
Senate Bill 677, Law Since November 2025
The bill that replaced Oklahoma's decades-old ban with a cap and a set of notice rules.
Oklahoma's surcharge rule is Senate Bill 677 (2025), now codified at 14A O.S. Section 2-211. The old flat ban, which sat at Section 2-417, was repealed outright rather than amended. The bill cleared the Senate 42 to 0 and the House 84 to 1, became law on May 28, 2025 without the governor's signature, and took effect November 1, 2025.
The statute sets its cap in one sentence:
“No surcharge shall exceed two percent (2%) of the total transaction or the actual amount to be charged to the person or retailer to process the credit card transaction, whichever is less.”
Notice has to happen before the customer pays, and the law spells out how for each channel. In person, the surcharge amount has to be posted clearly at the point of entry and again at the point of sale. Online, it has to appear on the home page and again at checkout. On the phone, it has to be disclosed out loud before the transaction runs.
Two more details worth knowing. A business that accepts only credit cards, no cash and no debit, cannot surcharge under this statute. And the statute's cap and notice rules cover credit cards only; debit can never be surcharged anywhere in the country, a card network rule that has nothing to do with Oklahoma law specifically.
As of July 2026, this is the law in force, unchanged since it took effect.
From Flat Ban to Newest Surcharge State
A law that stood unquestioned for a long time, and then didn't.
Oklahoma's path from a flat ban to a capped, disclosed surcharge did not run through a courtroom verdict. It ran through a legal opinion, and then a legislature that decided to act.
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The Ban Era
A flat prohibition on the books
Oklahoma law flatly barred sellers from adding a surcharge to a credit or debit card transaction.
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2017
A Supreme Court ruling shifts the ground
The U.S. Supreme Court ruled in Expressions Hair Design v. Schneiderman that surcharge bans regulate how merchants describe a price, a First Amendment question, putting laws like Oklahoma's on shaky constitutional footing.
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December 2019
The Attorney General weighs in
The Oklahoma Attorney General concluded in Opinion 2019-12 that while the ban was not invalid on its face, it could not constitutionally be enforced against the standard surcharge model, a posted price plus a disclosed card fee.
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May 2025
The legislature replaces the ban
Lawmakers voted 42 to 0 in the Senate and 84 to 1 in the House to replace the ban with a cap and notice rules; the bill became law on May 28, 2025 without the governor's signature.
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November 1, 2025
Surcharging becomes legal statewide
The new law took effect, the old ban came off the books, and Oklahoma dealerships could surcharge for the first time, capped and disclosed.
Senate Bill 2132, A Bill That Died
A push to raise the cap to 3 percent, and why the 2 percent figure still stands.
A follow-up bill this year, Senate Bill 2132 (2026), would have raised Oklahoma's surcharge cap from 2 percent to 3 percent of the transaction, effective November 1, 2026. It came from the same legislators behind the 2025 law that legalized surcharging in the first place.
The bill passed the Senate 28 to 17 on February 18, 2026, cleared a House committee on April 8, 2026, and then stalled. It never reached a House floor vote, and it died when the legislature adjourned in May 2026.
It is not law. As of July 2026, the cap in Oklahoma remains 2 percent, exactly as Senate Bill 677 set it. We track the bill and the state, not your front desk.
What This Means at the Counter
One idea drives the whole rule: nobody should be surprised at the register.
Oklahoma's notice rule has a simple shape: the customer never meets the surcharge for the first time at the moment of payment. In the store, that means the amount is posted twice, once where customers walk in and once where they pay. A web checkout mirrors it, home page first and checkout again, and a phone payment gets the amount said out loud before the card is taken. No debit card ever takes a surcharge, here or in any state; every card network bars it. A card-not-present sale, taken over the phone or through a payment link, follows that identical disclosure rule. Staying current on what Oklahoma requires is on us; running the front desk is on you.
CDK Drive posts the surcharge line straight onto the repair order, so it lands right where your advisors are already working instead of a side spreadsheet someone has to reconcile later. The surcharge program page covers the full mechanics, and the how it works page walks through exactly what happens at the terminal.
Straight Answers on Oklahoma Rules
Yes. Oklahoma has allowed credit card surcharges since November 1, 2025, subject to a cap and notice rules.
2 percent of the transaction, or the actual cost of processing the card if that figure is lower, a stricter ceiling than either card network's own cap.
Posted notice at the point of entry and the point of sale in person, notice on the home page and the checkout page online, and a spoken disclosure on the phone, always before the customer pays.
It was, for decades. That changed on November 1, 2025, when a new law replaced the flat ban with a cap and disclosure rules. A lot of what is written online still describes the old ban.
Maybe, someday. A bill to raise it to 3 percent passed the Senate this year and died when the legislature adjourned in May 2026. As of July 2026, the cap is 2 percent. For more on surcharging in general, see the FAQ page.
Straight Answers on Oklahoma
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