Is credit card surcharging legal in New York?

Usually yes, with conditions. New York allows a credit card surcharge but attaches rules you have to meet. New York no longer bans surcharging; after Expressions Hair Design v. Schneiderman it rewrote General Business Law § 518 into a disclosure regime that took effect in February 2024. A merchant must clearly and conspicuously post the total price for using a credit card, inclusive of the surcharge, and the final sales price may not exceed that posted price. The surcharge itself may not exceed the amount the credit card company charges the business. In practice this is a two-tier pricing rule: show the credit price as a total, not as a percentage bolted on at the end.