MerchantLayer
RestrictedLast verified: 2026-08-25

Is credit card surcharging legal in Michigan?

Usually yes, with conditions. Michigan allows a credit card surcharge but attaches rules you have to meet. Michigan appears to have no statute banning credit card surcharges, but the Attorney General publishes a consumer alert setting out how they must be presented: notice at the point of entry and point of sale, notice on the web page where credit cards are first mentioned for online sellers, and the exact fee itemised on a separate line of the receipt. The alert also restates that debit surcharging is unlawful and that the network caps (3% Visa, 4% Mastercard) bind. We have not verified this against a Michigan statute, so treat it as guidance rather than a code section.

Under review

We could not confirm this entry against a Michigan statute or a state agency publication. Everything below is written as our current reading of secondary sources, not as a settled statement of Michigan law. Verify with counsel before you rely on it.

How much you can charge

No verified state cap. 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

Online sellers should surface the surcharge on the first page that mentions credit card payment, not only at the final total, and itemise the amount on the receipt.

Not legal advice

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 Michigan 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.

Shopify surcharge guideSee FeeLayer