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RestrictedLast verified: 2026-08-25

Is credit card surcharging legal in Oklahoma?

Usually yes, with conditions. Oklahoma allows a credit card surcharge but attaches rules you have to meet. Oklahoma flipped from a ban to a capped allowance. SB 677, enacted 28 May 2025 and effective 1 November 2025, repealed the old prohibition at 14A O.S. § 2-417 and amended § 2-211 to permit surcharging. The surcharge may not exceed the lesser of two percent of the transaction or the actual cost the seller is charged to process it, and it must be disclosed clearly and conspicuously — at the point of entry and point of sale in person, and on the home page and the point-of-sale page online. A seller that accepts credit cards exclusively may not surcharge, because the customer has no alternative.

The statute

Citation: Okla. Stat. tit. 14A, § 2-211 (as amended by 2025 S.B. 677); § 2-417 repealed

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

State cap: the lesser of 2% of the transaction or the actual processing cost. This is stricter than either card network, so 2% is the practical ceiling in Oklahoma.

Disclosure requirements

Online sellers must disclose on the home page as well as the point-of-sale page. Keep at least one non-surcharged payment method available, or the surcharge is not permitted at all.

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 Oklahoma 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