State law guide · Last verified 2026-10-15
Is Credit Card Surcharging Legal in Puerto Rico? (2026)
No — credit card surcharging is banned in Puerto Rico, and the ban is enforced. Unusually, Puerto Rico restricts dual pricing too — see below.
| Credit card surcharging | Banned |
|---|---|
| Surcharge cap | N/A — surcharging is prohibited on credit AND debit. |
| Dual pricing (cash and card price) | Restricted |
| Governing law | Laws of P.R. tit. 10 §11 (Law 150-2008, as amended by Law 152-2013) |
Dual pricing in Puerto Rico
Puerto Rico is the one U.S. jurisdiction where even dual pricing/cash discounting is restricted — the cash-discount safe harbor was repealed in 2013, and the 2025 First Circuit ruling left the restriction intact. FeeSlicers does not set up dual pricing or surcharge programs for Puerto Rico merchants.
Puerto Rico restricts cash discounting as well as surcharging, so FeeSlicers does not set up dual pricing for Puerto Rico merchants.
What to post in Puerto Rico
What Puerto Rico requires.
Puerto Rico requires the regular price only. FeeSlicers does not set up two-price programs for Puerto Rico merchants.
Surcharging in Puerto Rico: the details
Enforcement
Actively enforced by the Department of Consumer Affairs (DACO); the First Circuit unanimously upheld the ban in May 2025.
Disclosure rules for surcharges
Display the regular price only.
Key rulings
Asociación de Detallistas de Gasolina de Puerto Rico v. Commonwealth, No. 24-1188 (1st Cir., May 29, 2025) — the ban was upheld against federal-preemption challenges.
This page explains the law for education; FeeSlicers sets up dual pricing, not surcharge programs. It is not legal advice. Sources: Laws of P.R. tit. 10 §11; 1st Cir. No. 24-1188 (May 29, 2025).
Questions Puerto Rico owners ask
Can a business charge a credit card surcharge in Puerto Rico in 2026?
No. Laws of P.R. tit. 10 §11 (Law 150-2008, as amended by Law 152-2013) prohibits credit card surcharges in Puerto Rico, and the ban is enforced.
Is dual pricing (a cash price and a card price) legal in Puerto Rico?
Puerto Rico is the one U.S. jurisdiction where even dual pricing/cash discounting is restricted — the cash-discount safe harbor was repealed in 2013, and the 2025 First Circuit ruling left the restriction intact. FeeSlicers does not set up dual pricing or surcharge programs for Puerto Rico merchants.
What does a Puerto Rico business have to post?
Display the regular price only. Puerto Rico restricts cash discounting as well as surcharging. FeeSlicers does not set up programs for Puerto Rico merchants.
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 · Oklahoma · Rhode Island · South Dakota · Texas · Virginia · Wyoming. Every other state is on the 50-state table. Recent updates are in the law changes log.
Questions about Puerto Rico's rules?
FeeSlicers doesn't set up programs for Puerto Rico merchants, but we're happy to answer questions. Email hello@feeslicers.com.