@qbteachmt  That's straight from a Google search experimental AI overview, which of course is unreliable.  I found this from another source, that is probably not trustworthy either:

*According to federal law, there’s a 4% maximum allowable surcharge on credit card transactions. Debit card surcharging is illegal in all 50 states.

*Minnesota ( @IRonMaN 's home) currently allows credit card surcharging (with some contingencies), but a new law is banning certain surcharges effective January 1, 2025.