The statute
Citation: Minn. Stat. § 325G.051
“the surcharge does not exceed five percent of the purchase price”
Minn. Stat. § 325G.051
How much you can charge
State cap of 5%, but the card networks are stricter: Visa 3% and Mastercard 4%. The network limit is the one you will hit first.
Disclosure requirements
For an online store, post the surcharge notice during the sale, at the point of sale, on the order summary or on the checkout page. If credit card is the only way to pay, the fee is unavoidable and must be inside the advertised price.
Sources
- Minn. Stat. § 325G.051 (Minnesota Office of the Revisor of Statutes)
- NFIB Legal Center: Credit Card Surcharge and Cash Discount Laws Guide (2025)
- 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 Minnesota 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.