Is a cash discount legal in Wyoming?
Short answer: Wyoming has no specific law on credit card surcharges, so card network rules apply: Visa caps surcharges at 3% or your cost and bans them on debit. A cash discount with both prices posted before payment is not a surcharge under Visa’s rules, and federal law protects discounts for cash.
Wyoming at a glance.
No state surcharge law
- Surcharges
- No surcharge statute. Under the state consumer credit code a cash discount of up to 5% offered to all buyers and clearly disclosed is excluded from the 'credit service charge'. Federal law (TILA sec. 171(c)) also keeps cash discounts out of state finance-charge rules.
- Cap
- No state cap. Card-network rules apply: Visa lesser of 3% or the merchant's discount rate; Mastercard lesser of cost or 4% (secondary).
- Debit cards
- No state rule. Visa and Mastercard bar surcharges on debit and prepaid cards.
- Cash discount with both prices
- Cash discount up to 5% excluded from credit service charge (Wyo. Stat. 40-14-209(b)(v)); a 3.75% card-cash gap fits under it.
- Law
- Wyo. Stat. 40-14-209(b)(v) (cash discount only)
Secondary (statute text from search excerpt of Justia 2025 code).
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 Wyoming: 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 Wyoming charge a fee for using a credit card?
There’s no specific state law, so card network rules apply: surcharges are capped at 3% or your cost (Visa), must be disclosed, and need notice to your processor first.
Can I charge more for debit cards in Wyoming?
Not as a fee. No state rule. Visa and Mastercard bar surcharges on debit and prepaid cards. With a cash discount, debit pays the posted card price.
Is a cash discount legal in Wyoming?
Cash discount up to 5% excluded from credit service charge (Wyo. Stat. 40-14-209(b)(v)); a 3.75% card-cash gap fits under it. 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.