From Boston and Worcester to Springfield, Cambridge and Lowell, Massachusetts bans card surcharges and has had a strict total-price rule since September 2025. We show you exactly what you pay and the compliant way to lower it. No contracts, no cancellation fees.
Massachusetts General Laws chapter 140D, section 28A bars a seller from adding a surcharge when a customer pays by credit card instead of cash or check. Offering a discount for cash is allowed. A bill to permit capped surcharges is pending but is not law.
Under the Attorney General's junk-fee regulation (940 CMR 38.00), sellers must show the total price, including every fee except government charges and shipping, whenever a price is first shown, and must explain any fees.
The Massachusetts Tips Act forbids an employer from taking any payment or deduction from a tip, and it counts amounts a customer adds by credit card as tips (chapter 149, section 152A). It does not name processing fees, so this is a reading of the statute rather than a stated rule, but the safe course is to pay card tips in full.
We set up Dual Pricing as a true cash discount, with the total price shown up front the way the 2025 regulation requires, and card tips paid out in full.
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.
Total-price display and the tip rule hit these businesses hardest.
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