Surcharge & Dual Pricing Laws · Massachusetts · Last verified 2026-08-27
No — credit card surcharging is banned in Massachusetts and the ban is actively enforced. Dual pricing — posting a card price and a lower cash price — is legal in Massachusetts.
| Credit card surcharging | BANNED |
|---|---|
| Surcharge cap | N/A — surcharging is prohibited. |
| Dual pricing (cash price / card price) | LEGAL |
| Governing law | Mass. Gen. Laws ch. 140D, §28A |
| Enforcement | Actively enforced — Attorney General enforcement plus private suits under Chapter 93A; Division of Banks opinions 08-041 and 11-017. |
Display the regular price; a compliant program posts the card price and discounts for cash.
Cash discounting IS legal — dual pricing is the compliant Massachusetts structure.
For Massachusetts merchants, dual pricing is the compliant path: the card price is the posted price, cash customers pay less, and no prohibited surcharge is ever added. That is the structure FeeSlicers sets up.
No. Mass. Gen. Laws ch. 140D, §28A prohibits credit card surcharges in Massachusetts, and the ban is actively enforced.
Cash discounting IS legal — dual pricing is the compliant Massachusetts structure. Dual pricing applies to both debit and credit cards.
No. Debit and prepaid cards can never be surcharged anywhere in the U.S. — the Durbin Amendment and card-network rules prohibit it regardless of state law. Dual pricing, by contrast, lawfully covers both debit and credit.
Display the regular price; a compliant program posts the card price and discounts for cash.
FeeSlicers sets up compliant dual pricing programs — your card-price customers cover processing, your cash customers pay less, and you pay one flat $40/month. George, a 20-year payments veteran, confirms your state's rules as part of setup.
Start Slicing →Two minutes to start. No obligation. George takes it from there.
This page is an educational reference, not legal advice. Surcharge and pricing law changes frequently — this page was last verified on 2026-08-27, and we confirm current rules for your state during setup. Sources: Mass. Gen. Laws ch. 140D §28A; MA Division of Banks opinions 08-041, 11-017.