Compliance · Kansas
Credit Card Surcharge Laws in Kansas (2026 Guide)
Credit card surcharging is legal in Kansas, but state rules add requirements on top of the card network baseline.
Is it legal to surcharge credit cards in Kansas?
Yes, with Kansas-specific rules (K.S.A. § 16a-2-403). Since January 1, 2025, Kansas allows surcharges when the merchant discloses the amount through a clear and conspicuous notice at the point of entry or the point of sale, in advance of the transaction. Source: Nickel 2026 state surcharge table, Payment Review, 2026 surcharge rules.
The rules you must follow
Card network rules set the baseline in every state: Visa caps surcharges at 3% or your actual processing cost, whichever is lower; you must notify your processor and the card networks 30 days before you start; disclose the surcharge at the point of entry and the point of sale; show it as a separate line on the receipt; and never surcharge debit or prepaid cards.
Kansas cap: No state cap; card network caps apply.
The alternative most merchants use: dual pricing
Dual pricing (also called cash discounting) shows two prices, a card price and a lower cash price. Because it is structured as a discount for paying cash, it is legal in all 50 states, including Kansas. See the Kansas dual pricing guide.
How PayWavez keeps this compliant
PayWavez sets up surcharging or dual pricing for Kansas merchants with the right caps, signage, receipt lines and processor notice, so you recover card fees without compliance risk.
Frequently asked questions
Is it legal to add a credit card surcharge in Kansas?
Yes, with Kansas-specific rules (K.S.A. § 16a-2-403). Since January 1, 2025, Kansas allows surcharges when the merchant discloses the amount through a clear and conspicuous notice at the point of entry or the point of sale, in advance of the transaction.
What is the maximum credit card surcharge in Kansas?
No state cap; card network caps apply. Visa limits surcharges to 3% or your actual processing cost, whichever is lower.
Can I surcharge debit cards in Kansas?
No. Debit and prepaid cards can never be surcharged under card network rules.
Is dual pricing legal in Kansas?
Yes. Offering a lower price for cash (dual pricing or cash discounting) is legal in Kansas.
Related guides
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