The statute
Citation: La. Act 751 of 2026 (S.B. 254), effective 1 August 2026
We have not reproduced operative text here because we could not confirm a clean verbatim quote against the official source. Follow the citation and the source links below.
How much you can charge
Louisiana sets no cap on credit card surcharges; the debit prohibition is the state-law constraint. No state cap. The binding limits are the card networks: Visa caps a credit card surcharge at the lower of your merchant discount rate or 3% (reduced from 4% effective 15 April 2023) and Mastercard caps it at 4%. Surcharging debit cards is prohibited nationwide.
Disclosure requirements
The critical control in Louisiana is card-type detection: your checkout must not apply the fee to debit cards, including debit run as credit. Debit surcharging is separately prohibited nationwide.
Sources
- Arnall Golden Gregory: Louisiana prohibits debit card surcharges beginning August 1, 2026
- Louisiana Legislature: Senate Bill 254 (2026 Regular Session)
- ArentFox Schiff: Visa reduces its merchant surcharge cap to 3%, effective April 15, 2023
Last verified: 2026-08-25. Confidence: verified against the sources above.
This page is a research summary for merchants, not legal advice, and no attorney-client relationship is created by reading it. Surcharge rules change, they interact with card-network rules and federal law, and they can turn on facts specific to your business. Consult licensed counsel in Louisiana before you implement or change a surcharge.
Putting this into practice on Shopify
Rules like these only help if your checkout can actually enforce them, including on Shop Pay, Apple Pay and Google Pay.