Surcharge & Dual Pricing Laws · Oklahoma · Last verified 2026-08-27
Credit card surcharging is legal in Oklahoma, but with state-specific restrictions — see the cap and disclosure rules below. Surcharges apply to credit cards only, never debit or prepaid. Dual pricing — posting a card price and a lower cash price — is legal in Oklahoma.
| Credit card surcharging | LEGAL WITH RESTRICTIONS |
|---|---|
| Surcharge cap | 2% of the transaction OR the actual cost of acceptance, whichever is less. |
| Dual pricing (cash price / card price) | LEGAL |
| Governing law | Okla. Stat. tit. 14A §2-211 (SB677, effective November 1, 2025; repealed the former §2-417 ban) |
| Enforcement | A regulated surcharge regime as of November 1, 2025; card-brand onboarding for Oklahoma surcharge accounts ramped through 2026. |
Clear and conspicuous notice at point of entry AND point of sale (in person); on the homepage AND payment page (online); verbal disclosure by phone. The business must accept an alternative payment method.
SB677 (2025) — Oklahoma flipped from banned to legal-with-cap on November 1, 2025.
Dual pricing (posting a card price and a lower cash price) is legal.
Many Oklahoma merchants choose dual pricing over surcharging because it covers both debit and credit and sidesteps the state's surcharge-specific caps and disclosure mechanics. Where a surcharge program fits better, it must follow the rules above exactly.
Yes, with restrictions. 2% of the transaction OR the actual cost of acceptance, whichever is less.
Dual pricing (posting a card price and a lower cash price) is legal. 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.
Clear and conspicuous notice at point of entry AND point of sale (in person); on the homepage AND payment page (online); verbal disclosure by phone. The business must accept an alternative payment method.
SB677 (2025) — Oklahoma flipped from banned to legal-with-cap on November 1, 2025.
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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: Okla. Stat. tit. 14A §2-211 (SB677); Bass Berry analysis (2025); Oklahoma Bar Association (2025).