State law guide · Last verified 2026-10-15
Is Credit Card Surcharging Legal in Oklahoma? (2026)
Credit card surcharging is legal in Oklahoma, but state law adds 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 state restrictions |
|---|---|
| Surcharge cap | 2% of the transaction OR the actual cost of acceptance, whichever is less. |
| Dual pricing (cash and card price) | Legal |
| Governing law | Okla. Stat. tit. 14A §2-211 (SB677, effective November 1, 2025; repealed the former §2-417 ban) |
Dual pricing in Oklahoma
Dual pricing (posting a card price and a lower cash price) is legal.
FeeSlicers sets up dual pricing through North's Edge program: every item has a posted card price about 4% higher than its cash price ($3.00 cash / $3.12 card), the same for credit and debit. That structure is legal in Oklahoma when prices are posted the way the checklist below describes.
What to post in Oklahoma
A two-price checklist for Oklahoma businesses.
- Post the card price for every item — on your menu, shelf tags, price board and website. Never show a cash price by itself.
- Show the cash price next to it, clearly labeled as the cash price.
- Put a customer notice at the entrance and at the register saying items have a cash price and a card price. North supplies this sign to Edge merchants, in English and Spanish.
- Charge one card price for every card — credit and debit alike.
- Make sure the receipt shows the price the customer paid, never an extra amount on top of the cash price.
Surcharging in Oklahoma: the details
Enforcement
A regulated surcharge regime as of November 1, 2025; card-brand onboarding for Oklahoma surcharge accounts ramped through 2026.
Disclosure rules for surcharges
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.
Recent and pending changes
SB677 (2025) flipped Oklahoma from banned to legal-with-a-2%-cap effective November 1, 2025. SB2132, which would have raised the cap to 3%, died in the 2026 session on May 14, 2026 — the 2% cap stands.
This page explains the law for education; FeeSlicers sets up dual pricing, not surcharge programs. It is not legal advice. Sources: Okla. Stat. tit. 14A §2-211 (SB677); Bass Berry analysis (2025); Oklahoma Bar Association (2025).
Questions Oklahoma owners ask
Can a business charge a credit card surcharge in Oklahoma in 2026?
Yes, with restrictions. 2% of the transaction OR the actual cost of acceptance, whichever is less.
Is dual pricing (a cash price and a card price) legal in Oklahoma?
Dual pricing (posting a card price and a lower cash price) is legal. One card price covers both credit and debit cards.
What does a Oklahoma business have to post?
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.
Has Oklahoma surcharge law changed recently?
SB677 (2025) flipped Oklahoma from banned to legal-with-a-2%-cap effective November 1, 2025. SB2132, which would have raised the cap to 3%, died in the 2026 session on May 14, 2026 — the 2% cap stands.
Other states with their own rules: California · Colorado · Connecticut · Florida · Georgia · Illinois · Indiana · Kansas · Louisiana · Maine · Massachusetts · Minnesota · Montana · Nebraska · Nevada · New Jersey · New York · North Carolina · Puerto Rico · Rhode Island · South Dakota · Texas · Virginia · Wyoming. Every other state is on the 50-state table. Recent updates are in the law changes log.
Want two prices set up the right way in Oklahoma?
George will walk you through your state's posting rules before anything goes on your counter.
Two minutes to start. No obligation. George takes it from there.