From New Orleans and Baton Rouge to Shreveport, Lafayette and Lake Charles, Louisiana added a state ban on debit card surcharges in 2026. We show you exactly what you pay and set it up so credit and debit are handled correctly. No contracts, no cancellation fees.
Louisiana's Act 751 of 2026 (La. R.S. 51:3081 and 51:3082) bans retail businesses from adding a surcharge to debit card payments. The card brands already forbid debit surcharges, but this makes it state law too, with the liability that comes with it.
Louisiana sets no cap on credit card surcharges, so the card-brand rules apply: a cap of about 3 percent, customer notice and a separate line on the receipt. The practical requirement is that a surcharge program must reliably tell a credit card from a debit card.
Louisiana has no state minimum wage law, so the federal rule governs card fees on tips: only the proportional fee on the tip portion, as long as pay stays at or above minimum wage. There is no specific state guidance on taxing a surcharge, so a surcharge on a taxable sale is presumably taxed as part of the price.
We set up surcharging to apply to credit cards only, with debit excluded at the terminal, or Dual Pricing if you prefer one clean setup for every card.
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.
Telling credit from debit at the terminal matters most here.
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