Is credit card surcharging legal in Texas?

Usually yes, with conditions. Texas allows a credit card surcharge but attaches rules you have to meet. Texas is genuinely unsettled and should not be treated as a clear yes or no. Tex. Bus. & Com. Code § 604A.0021 prohibits sellers from imposing a credit card surcharge, and § 604A.002 does the same for debit cards. In 2018 a federal district court held § 604A.0021 unconstitutional in Rowell v. Paxton and enjoined its enforcement, but the Texas Attorney General then opined (KP-0257) that the ruling binds only the litigants and that the statute can still apply in some circumstances. The Texas State Law Library itself says it is unclear whether the surcharge laws are enforceable. Cash discounts fall outside the statutory definition and are the lower-risk pattern.