Is a cash discount legal in Oklahoma?
Short answer: Oklahoma allows credit card surcharges since 1 November 2025, capped at 2% or the seller’s cost, with notice at the entrance and the point of sale. A cash discount with both prices posted before payment is not a surcharge under Visa’s rules, and federal law protects discounts for cash. Oklahoma law says a discount for paying cash or debit, offered to everyone, is not a surcharge, with no limit on the discount.
Oklahoma at a glance.
Surcharges limited
- Surcharges
- Since 1 Nov 2025 (SB 677 repealed the old ban). Post the amount at the point of entry and point of sale in person; on the home page and point-of-sale web page online; say it on the phone. A customer is not choosing a card if the seller accepts only credit cards. Visa's Feb 2024 Q&A still lists Oklahoma as prohibiting; that is out of date.
- Cap
- Lesser of 2% of the total transaction or the seller's actual processing cost.
- Debit cards
- A surcharge is defined for credit card transactions only. Network rules bar debit surcharges.
- Cash discount with both prices
- Discounts to induce cash, check or debit payment are not a credit service charge if offered to all buyers; 'There shall be no limit on the discount' (14A O.S. 2-211(A)).
- Law
- 14A O.S. 2-211 (as amended by SB 677, 2025)
Verified on primary source (enrolled SB 677, Oklahoma Legislature).
What to post on your tags.
- Show the cash price and the card price on every tag, menu or price list, the same size.
- Charge the posted price for how the customer pays. Don’t add a fee, “service charge” or “non-cash adjustment” at the register.
- Put a sign at the door and the counter explaining the two prices.
- Debit pays the posted card price. Never add a fee to debit.
Paymantis sets up cash discount processing for independent shops in Oklahoma: free sign-up, free monthly service and a free terminal, with tags and signs worded for your state. Get started free.
Questions owners ask.
Can a business in Oklahoma charge a fee for using a credit card?
Only within limits. Lesser of 2% of the total transaction or the seller's actual processing cost. Since 1 Nov 2025 (SB 677 repealed the old ban). Post the amount at the point of entry and point of sale in person; on the home page and point-of-sale web page online; say it on the phone. A customer is not choosing a card if the seller accepts only credit cards. Visa's Feb 2024 Q&A still lists Oklahoma as prohibiting; that is out of date.
Can I charge more for debit cards in Oklahoma?
Not as a fee. A surcharge is defined for credit card transactions only. Network rules bar debit surcharges. With a cash discount, debit pays the posted card price.
Is a cash discount legal in Oklahoma?
Discounts to induce cash, check or debit payment are not a credit service charge if offered to all buyers; 'There shall be no limit on the discount' (14A O.S. 2-211(A)). Post both prices before the customer pays and add nothing at the register.
Sources
General information, not legal advice. Rules change and differ by state and city; check the rules where your business is. See our terms and disclaimers.