Wyoming Credit Card Surcharge Law
In Wyoming a dealership can surcharge credit card payments, and no state law stands in the way. The state writes no cap and no disclosure rule of its own, so the card networks draw the lines. Keep the surcharge under their ceiling, disclose it up front, and you are compliant.
Wyoming Allows Credit Card Surcharging
The legislature has set no ban, no ceiling, and no disclosure rule. At the state level, surcharging is simply unregulated.
As of July 2026, no Wyoming statute regulates credit card surcharges by private businesses. Nothing bans them, nothing caps them, and nothing dictates how they get disclosed. For a dealership that means there is no state code section to read and no state regulator to answer to on this question.
What fills the gap is the card network rulebook. Visa and Mastercard fix the ceiling and the disclosure standard, and in Wyoming those are the only rules that bite. That is the whole picture.
| Question | Answer |
|---|---|
| Status | Allowed |
| Cap | Card network caps |
| State statute | None. No Wyoming statute restricts merchant surcharging |
| Disclosure | No state statute. Card network disclosure rules apply |
Wyoming sits among the 47 states where surcharging is legal. The full breakdown is on the credit card surcharge laws by state hub.
The Card Networks Set the Ceiling
With the state silent, the card brands' own rules carry the full weight.
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Visa: 3% Cap
In force nationwide since April 2023. Wyoming adds no ceiling beneath it.
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Mastercard: 4% Cap
The same framework as Visa, with a little more headroom.
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Debit Never Surcharges
Debit, prepaid, and gift cards stay off limits for surcharges, in Wyoming and everywhere.
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Disclosure Is Mandatory
Post it at the entrance and again at the register, and itemize it as its own line on the receipt.
Silent Statute, Firm Ceiling
Visa's 3 percent limit and Mastercard's 4 percent limit bind every Wyoming dealership whether or not the state ever weighs in. Price a credit surcharge at the common 3 percent and you sit comfortably inside Visa's cap.
The Network Rulebook Is the Whole Job
Nothing from Wyoming sits on top of the network requirements to complicate them.
Because Wyoming writes no disclosure rule of its own, the network checklist is the checklist. Tell the card networks and your acquirer before you switch surcharging on. Post a notice where customers walk in, then repeat it at the point of sale. Break the surcharge out as its own line on the receipt. For deals closed by phone or online, the disclosure has to reach the buyer before they pay, never after.
There is nothing Wyoming-specific to bolt on, no separate state placard to hang, and no state office to clear beyond the networks.
One Setup Covers It
Wire the disclosure once, network notice, entrance notice, register notice, and the itemized receipt line, and you have met the standard. Wyoming asks for nothing further.
What This Means at the Counter
Three things at the counter, and you are done.
A 3% surcharge on a credit sale lands well within Visa's cap, and Wyoming layers on nothing extra. Notice at the door, notice again at the counter, and the surcharge on its own receipt line, that is the entire list. Watching the state law is our job, not your service desk's.
Only credit card payers carry the 3 percent, and debit is never touched, no exceptions. Every payment posts straight onto the repair order inside CDK Drive, so the surcharge shows up in the same screen your advisors already use. The mechanics are laid out on the surcharge program page, and the terminal-by-terminal walkthrough lives on the how it works page.
Straight Answers on Wyoming Rules
Yes. No Wyoming statute bans or restricts credit card surcharging, so a dealership surcharges under the card network rules.
No. The state sets no cap. The governing numbers are the network ceilings, 3 percent for Visa and 4 percent for Mastercard.
There is no state disclosure statute, so the card networks set the bar: notify them before you begin, post notice at the entrance and again at the register, and itemize the surcharge on the receipt.
Never. Debit, prepaid, and gift cards are off limits for surcharges in Wyoming and every other state. The rule travels with the card, whatever buttons get pressed at the terminal.
Yes. Card-not-present sales over the phone or online run the same way, with the 3 percent surcharge and the same disclosure applied before checkout. For pricing and program questions past state law, see the FAQ page.
Straight Answers on Wyoming
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