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New York Introduces New Law for Credit Card Surcharges

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New York Law for Credit Card Surcharges

New York Law for Credit Card Surcharges

New York businesses are now required to clearly post exactly how much their products will cost if customers pay with a credit card. A new state law took effect recently, which aims to help customers avoid hidden credit card costs.

The new law will amend and clarify New York’s existing credit card surcharge law. Stores can no longer post a sign on a door and at the register stating that credit card purchases will be subject to surcharges.

Instead, they will either need to list the higher credit card price next to a lower cash price, or they can just change the cost of items to the credit card price for everyone.

The new measure will also limit credit card surcharges to the amount businesses are charged by processing companies.

“New Yorkers should never have to deal with hidden credit card costs, and this law will ensure individuals can trust that their purchases will not result in surprise surcharges,” said the governor of New York in a statement. The law was already signed last year, but it went into effect last week.

The new law does not apply to debit cards.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. “The new law does not apply to debit cards.”

    It’s strange the law does not apply to debit cards, as consumers are routinely charged a surcharge for paying with a debit card. I see many businesses indicate that the surcharge is for “non-cash transactions”. I’ve even been charged 3.9% surcharge for paying with a major chain restaurant gift card.


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