Virginia Credit Card Surcharge Law
Virginia credit card surcharge law allows surcharging. No state statute bans or caps it, so card network rules set the ceiling. A separate 2025 pricing law changed how businesses advertise prices, and it is covered below.
Virginia Allows Credit Card Surcharging
No ban and no cap. The state has one pricing law that shapes how you present it.
As of July 2026, Virginia has no law that bans or caps a credit card surcharge for private businesses. With no ceiling set at the state level, the card networks set the rules, the same as they do everywhere surcharging is legal. Virginia did pass a total price law in 2025 that governs how businesses advertise prices, and it is covered below.
| Question | Answer |
|---|---|
| Status | Allowed |
| Cap | Card network caps |
| State statute | None banning or capping surcharges |
| Disclosure | Card network rules |
Virginia 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. Virginia adds no state ceiling.
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Mastercard: 4% Cap
The 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 Virginia 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 Cap
With no state ceiling on the books, Visa's 3 percent and Mastercard's 4 percent are the only surcharge limits a Virginia dealership runs against. A standard 3 percent credit card surcharge sits inside Visa's cap.
Virginia's Total Price Law
What Virginia's 2025 pricing law asks for, in plain terms.
As of July 2026, Virginia has a total price law that took effect July 1, 2025 (Va. Code 59.1-608). It requires a business to include any mandatory fees in the total price it advertises or displays, so a posted price reflects what a customer actually pays. It sits in the Virginia Consumer Protection Act and is enforced there.
This is a disclosure and advertising rule about what a business must show in an advertised price. The practical read for a dealership is straightforward: keep the surcharge optional, and disclose it clearly and up front before a customer pays.
Clear Disclosure, Already Standard
The program already posts notice at the point of entry and the point of sale and itemizes the surcharge as its own line on the receipt. Clear, up front disclosure is how it runs everywhere.
What This Means at the Counter
One playbook, whether you are in sales or fixed ops.
The checklist at a Virginia counter is the card network playbook. 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 Virginia's total price law is about clear, up front pricing, the program's disclosure habits already line up with it: the customer sees the surcharge before they pay, every time.
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 Virginia Rules
Yes. Virginia 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. Virginia sets no state cap, so the card network ceilings govern: Visa caps credit card surcharges at 3 percent and Mastercard at 4 percent.
It is a disclosure and advertising rule, effective July 1, 2025, that requires businesses to include mandatory fees in the total price they advertise. The practical takeaway is to keep the surcharge optional and disclose it clearly before the customer pays.
No. Debit, prepaid, and gift cards can never carry a surcharge, in Virginia or any other state. That is a card network rule, not a state one.
No. Virginia has no state cap. The card network ceilings apply instead: 3 percent under Visa and 4 percent under Mastercard. For pricing and program questions beyond state law, see the FAQ page.
Straight Answers on Virginia
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