From Miami and Orlando to Tampa, Jacksonville and the Panhandle, Florida's card fee rules changed for restaurants in 2026, and an old surcharge ban still sits in the statute book. We show you exactly what you pay and set it up correctly. No contracts, no cancellation fees.
Florida Statute 501.0117 still prints a ban on credit card surcharges. A federal appeals court struck it down in 2015 (Dana's Railroad Supply v. Attorney General), and the U.S. Supreme Court declined to review it in 2017, so businesses surcharge under the card-brand rules. The law itself was never repealed, so you will still find it in the statutes.
Under Florida Statute 509.214, any public food service establishment that adds an automatic charge, including service charges, automatic gratuities, credit card surcharges and delivery fees, must show the amount or percentage and what it is for on the menu, any written contract, and its ordering website or app. The notice must be in type at least as large as the menu item descriptions, the bill must say the charge is included, and the receipt must list it on its own line.
Florida taxes a card surcharge on a taxable sale as part of the price (Technical Assistance Advisement 22A-006).
For restaurants, we set up the menu, online ordering and receipt disclosures Florida requires before July 1, 2026. For everyone else, you choose Dual Pricing, a surcharge within the card-brand rules, or transparent interchange-plus pricing, and we show you which costs least on your own statement.
Check any state in our surcharge checker. Rules change, so we confirm the current position before configuring anything. This is general information, not legal advice.
Send one recent statement for a free statement review. We find your true effective rate, name every fee, and show where it can come down. Savings are estimates based on your own statement.
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