Credit Card Surcharging Resources
Last updated on Aug 27, 2026
Learn how to stay compliant when applying payment surcharges with Maxio Payments, including key rules from card networks, processors, and U.S. state regulations. Surcharge laws and requirements vary widely, so understanding your obligations is essential before enabling surcharging. Review the resources below to help ensure your approach aligns with applicable legal and network standards.
Important: Maxio Payments provides the surcharging tooling, but you are responsible for ensuring compliance with all applicable laws and card network rules. Maxio recommends consulting legal counsel. For the full terms, see the Maxio Payments Terms and Conditions, sections 4.iv and 9.
Card brand compliance
Review each card network's own surcharging rules:
Processor compliance
Review your payment processor's own surcharging guidance:
State and district-level compliance
Surcharge rules differ state by state. To use Maxio Payments surcharging solution, you must manage your own compliance. The links below offer general state-level guidance, but you should seek legal counsel to maintain surcharge compliance.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawai'i
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Related information
For an overview of how surcharging works, see Understand Credit Card Surcharging.
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