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Bill

SB 677

Sales transactions; discounts inducing payment by cash, check, or similar means; options; disclosure; surcharges; repealing provision prohibiting surcharge on use of credit and debit card. Effective date.

2025 Regular Session Introduced by Emily Gise and 1 co-sponsor

Oklahoma law now permits merchants to surcharge credit/debit card transactions and offer cash discounts, requiring point-of-sale disclosure of fees.

Becomes law without Governor's signature 05/28/2025
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WeVote Research Nonpartisan
Bill Summary · SB 677

Legislative bill overview

SB 677 repeals Oklahoma's prohibition on credit and debit card surcharges, allowing merchants to charge customers extra fees for using credit or debit cards. The bill also permits merchants to offer discounts for cash, check, or similar payment methods, and requires disclosure of any surcharges or discounts at the point of sale.

Why is this important

This change affects consumer pricing transparency and payment costs. Merchants can now legally pass credit card processing fees directly to customers, potentially increasing prices for card users while incentivizing cash payments. The disclosure requirement aims to inform consumers of these charges upfront, but implementation and enforcement vary.

Potential points of contention

  • Consumer cost impact: Card users may face unexpected additional fees, particularly low-income consumers who rely on credit cards and lack cash alternatives
  • Competitive fairness: Inconsistent surcharge application across merchants could create confusion and raise questions about price transparency and fairness
  • Merchant compliance: Requirements for clear disclosure at point-of-sale create administrative burdens, and small businesses may struggle with implementation
  • Payment system effects: May discourage card use and shift demand patterns, affecting both merchant revenues and payment processor relationships

Compiled from official sources — confirm details with the bill’s official record.

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