From Minneapolis and Saint Paul to Rochester, Duluth and Bloomington, Minnesota allows card surcharges but surrounds them with notice, pricing and tip rules. We show you exactly what you pay and set it up to all three. No contracts, no cancellation fees.
Minnesota Statutes 325G.051 caps a credit card surcharge at 5 percent of the purchase price. In person the seller must tell the customer and post a conspicuous sign; online it must post a conspicuous notice during checkout; by phone it must tell the customer. The card brands cap surcharges lower, at about 3 percent, and that cap applies too.
Minnesota Statutes 325D.44, subdivision 1a makes it a deceptive trade practice to advertise, display or offer a price that leaves out mandatory fees or surcharges, with special rules for restaurants. How it applies to a card surcharge the customer can avoid by paying another way is not settled.
Employees must receive the full amount of tips paid by card, with no swipe-fee deduction, by the next scheduled pay period (Minnesota Statutes 177.24, subdivision 3a). A 2022 Minnesota Tax Court decision also treated a surcharge as part of the taxable sales price, even when listed separately.
We set up the in-person, online and phone notices, keep the surcharge within the card-brand cap, and pay card tips out in full. If the pricing rule makes surcharging awkward for your business, Dual Pricing shows both prices up front.
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.
Notice, pricing and tips all apply to these businesses.
Free, no obligation. Serving businesses across Minnesota and the US.