Scheme & Network Compliance

Card-scheme compliance across the bloc runs on PCI DSS enforced contractually by Visa/Mastercard plus national mandates. Nigeria's CBN makes PCI DSS compliance mandatory via its Guidelines on Operation of Electronic Payment Channels and Guidelines for Card… Full module →

Domestic card-scheme compliance runs through SATIM/GIE Monétique; a May 2026 update opens acceptance of foreign-issued cards and interoperable QR payments.

Card and instant-rail scheme compliance is governed by BCRA rules. For the instant-transfer (Transferencias 3.0 / PCT) scheme the BCRA mandates interoperable QR acceptance, caps merchant fees (typically 6-8 per thousand) and sets fixed-per-transaction (not ad… Full module →

Card-scheme rules (Visa/Mastercard) plus PCI DSS apply across APAC; the most active formal scheme/interchange regulation is Australia's, where the RBA caps interchange and (from 2025-26) is overhauling surcharging. PCI DSS is referenced into India's PA-PG… Full module →

RBA sets interchange/surcharging under PSRA via designated schemes; Conclusions Paper Mar 2026 decided to remove surcharging on designated debit/prepaid/credit, lower caps (proposed 0.3% credit), foreign-interchange cap and fee transparency; AES migration by… Full module →

Card-scheme compliance in Austria sits on the directly-applicable EU Interchange Fee Regulation (2015/751), capping interchange at 0.3%/0.2% for credit/debit four-party scheme transactions, layered with PCI DSS and scheme rulebook obligations enforced… Full module →

Bangladesh Bank directly regulates interchange and merchant discount pricing for domestic card/NPSB transactions (fixed 1.6% MDR / 1.1% IRF via PSD Circular 10/2021) and mandates use of the domestically-owned National Payment Switch Bangladesh (NPSB) and… Full module →

Bancontact (Bancontact Pay/Payconiq) is Belgium's dominant domestic debit scheme, overseen directly by NBB alongside Mastercard Europe, Maestro and MCMS. Belgium bans merchant card surcharging outright, exceeding the EU IFR baseline.

Brazil regulates card-scheme economics directly: since October 2018 the BCB caps debit-card interchange, and in 2023 (effective April 2024) it simplified the debit cap to 0.5% and introduced a 0.7% cap on prepaid-card interchange while harmonising the prepaid… Full module →

Bulgaria applies the EU default IFR caps without a stricter national cap. Domestic clearing infrastructure (BISERA6/RINGS) operated by BORICA AD is being decommissioned and replaced by SEPA/TARGET rails following euro adoption.

Cambodia's scheme layer combines the NBC-operated Cambodian Shared Switch for domestic card interoperability with the KHQR EMV-based unified QR standard (introduced 2020, mandatory for QR-accepting merchants since 2022) and bilateral scheme linkages with… Full module →

Card and interoperability-scheme compliance runs through GIMAC (Groupement Interbancaire Monétique de l'Afrique Centrale), the CEMAC-mandated regional switch, which operates the GIMACPAY converged card/mobile/QR ecosystem and is migrating to ISO 20022. GIMAC… Full module →

Card-scheme economics are governed by negotiated interchange-reduction agreements with Visa and Mastercard (effective October 19, 2024), a revised federal Code of Conduct for the Payment Card Industry (effective October 30, 2024), and Interac's domestic debit… Full module →

Card-scheme compliance in Alberta operates under the national Code of Conduct plus federally negotiated Visa/Mastercard interchange concessions for small merchants, layered on Payments Canada's Lynx/ACSS bylaws and Interac's status as a Bank of… Full module →

Card-scheme compliance in BC follows the same national voluntary/regulatory mix as the rest of Canada: FCAC-overseen Code of Conduct for the Credit and Debit Card Industry, a Visa/Mastercard voluntary small-merchant interchange reduction (weighted average… Full module →

Card-scheme compliance in Canada, applicable to NB merchants and acquirers, has been reshaped by the CAD $188 million interchange-fee class-action settlement covering Visa/Mastercard/major issuing banks, which also modified no-surcharge rules to permit capped… Full module →

Card-scheme compliance in Canada runs through the voluntary, FCAC-monitored Code of Conduct for the Payment Card Industry; Visa/Mastercard committed in 2014 to reduce interchange near 1.5%. The Competition Bureau separately pursued antitrust action against… Full module →

Card-scheme compliance in Canada is shaped by the federally-negotiated Visa/Mastercard interchange-reduction agreements (effective October 2024) and the revised Code of Conduct for the Payment Card Industry, while Interac has amended its e-Transfer network… Full module →

Interchange cap regime (0.8% credit / 0.35% debit, effective October) plus TDLC ICG No.5 scheme-conduct remedies; NCG 541 creates Sub-Acquiring Operator; Compendio III.J governs card issuance/operation.

China UnionPay remains the backbone of card-scheme compliance and PCI SSC Strategic Member; online/QR clearing runs through NUCC; foreign-invested JV clearing licences (Amex, Mastercard) mark marginal market opening.

Card-scheme compliance runs through Visa and Mastercard franchises plus the two domestic acquiring/processing networks Redeban and Credibanco, a historically concentrated duopoly. Interchange (the Interbank Interchange Fee / IIF) was historically set by… Full module →

Costa Rica is the only known jurisdiction to impose central-bank price controls on both merchant discount rates and interchange/interchange-reimbursement fees for card schemes, under Legislative Decree 9831 (2020), implemented and progressively tightened by… Full module →

Card scheme compliance in Croatia follows EU interchange fee caps (Regulation (EU) 2015/751) and Visa/Mastercard scheme rules, but Croatia has historically carried above-EU-average domestic interchange fees, with Mastercard rates among the highest in Europe… Full module →

Scheme-level activity centres on the CBCS-chaired National Payment Council, which coordinates card-scheme rollout (Visa/Mastercard debit) and Instant Payments alongside the 1% Foreign Exchange license fee applied to cross-border bank transactions. Visa and… Full module →

Card-scheme economics are governed by the EU Interchange Fee Regulation (EU 2015/751) implemented domestically by Cyprus Law N.77(I)/2018, with the CBC, the Commission for the Protection of Competition and the Consumer Protection Service as joint competent… Full module →

Card-scheme compliance in the Czech Republic runs on the EU Interchange Fee Regulation (2015/751) caps of 0.2%/0.3% for domestic debit/credit consumer transactions, replacing a historical ~1% domestic interchange norm; Visa and Mastercard scheme rulebooks and… Full module →

Denmark operates a national debit scheme, Dankort (launched 1983, ~90% card penetration), owned and operated by Nets as sole scheme owner and acquirer, governed by published Dankort scheme rules subject to biannual revision and enforced by the Dankort scheme… Full module →

Visa and Mastercard operate as recognised card-scheme participants under SIPARD; ProCompetencia formally investigated both for alleged abuse of dominant position against independent aggregator DEMERGE; card transactions subject to 2% ITBIS withholding.

Card-scheme and payment-network compliance sits with the Superintendencia de Bancos and the Central Bank, with no dedicated interchange-fee regulation identified distinct from Ecuador's general interest-rate-cap regime.

Egypt runs a domestic national card scheme, Meeza, alongside international schemes (Visa/Mastercard) for cross-border. Meeza was established in early 2019 under CBE supervision and operated by the Egyptian Banks Company (EBC), underpinned by a 2017/2018… Full module →

Card-scheme participation runs through direct principal membership (Wallester/Visa) and indirect BaaS scheme access (LHV); PCI DSS Level 1 used as a trust signal.

EEA card-scheme economics are governed by the Interchange Fee Regulation ((EU) 2015/751), capping consumer debit/credit interchange (0.2%/0.3%) while excluding commercial cards. PCI DSS (administered by the PCI SSC) is contractually mandated by… Full module →

Card-scheme compliance runs on global PCI DSS baseline layered with IPR scheme-level obligations; no bespoke FI interchange/surcharging statute identified.

France's domestic card scheme is Cartes Bancaires (CB), governed by Groupement des Cartes Bancaires CB (est. 1984), accounting for over 65% of household card spend; >95% of CB cards are co-badged with Visa or Mastercard, enabling routing choice domestically… Full module →

Germany operates the domestic girocard debit scheme (umbrella brand of the German Banking Industry Committee / DK, formerly 'electronic cash'), independently overseen by the Bundesbank under an MoU with the DK; international schemes (Visa Europe, Mastercard… Full module →

Card and scheme compliance rests on BoG's Guideline on Operations of Electronic Payment Channels (governing ATM/POS, card schemes, acquiring and PTSPs) layered over international Visa/Mastercard rulebooks and PCI DSS. A structural rule separates card schemes… Full module →

Gibraltar PSPs/acquirers operate under the international four-party card-scheme rules (Visa/Mastercard), PCI DSS (PCI SSC), and — given Gibraltar's UK-aligned post-Brexit posture and SEPA reachability — interchange/scheme-fee economics broadly tracking the… Full module →

Card-scheme compliance runs through Regulation (EU) 2015/751 (interchange caps 0.2%/0.3%). A new domestic scheme-adjacent compliance layer emerged via the statutory mandate (effective 1 December 2025, corrected from an initially reported November 2025 date)… Full module →

Hong Kong is a mature multi-scheme card market. The HKMA compiles payment-card statistics from eight card scheme operators (American Express, Discover, EPSCO, JCB, JETCO, Mastercard, UnionPay, Visa). Visa and Mastercard dominate credit-card… Full module →

Hungary's card market is dominated by Visa/Mastercard (98% of domestic cards); Hungary was an early domestic mover on interchange-fee capping and surcharge restriction ahead of the EU IFR, and the Kúria referred the landmark Budapest Bank interchange-fee… Full module →

No Iceland-specific interchange-fee or scheme statute distinct from general EEA-applicable rules was located; Icelandic acquirers and merchants are bound to PCI DSS and Visa/Mastercard scheme rules contractually via acquiring agreements.

Scheme/network economics are heavily regulated. Debit-card MDR is capped by RBI (up to 0.90% across card networks), UPI P2M MDR capped by NPCI (up to 0.30%), but since January 2020 MDR has been statutorily zero for RuPay debit cards and BHIM-UPI via… Full module →

Card-scheme economics in Singapore are largely market-set: there is no regulatory cap on interchange fees, which Visa, Mastercard and American Express set themselves (American Express operating a three-party model versus the four-party Visa/Mastercard model)… Full module →

As an EU/euro-area member, Ireland applies the EU Interchange Fee Regulation (IFR) caps on Visa/Mastercard interchange, PCI DSS (managed by the PCI SSC), and the SEPA scheme rulebooks (EPC) for credit transfers/direct debits. Card payments dominate non-cash… Full module →

The Isle of Man has no domestic card scheme or interchange/surcharging statute of its own; Visa/Mastercard scheme rules and PCI DSS apply to Manx merchants and acquirers exactly as they do across the UK/global network, administered by acquiring banks and the… Full module →

Italy's card-scheme landscape is dominated domestically by the Bancomat circuit (debit/ATM interbank network) alongside international Visa/Mastercard rails, processed principally through Nexi following its 2021 merger with SIA (cleared by AGCM/Banca d'Italia… Full module →

Card and interbank scheme compliance in Côte d'Ivoire runs through the regional interbank scheme GIM-UEMOA (established 2003 by the BCEAO and banks), which provides the regional card application/specifications, interbank switching, clearing and certification… Full module →

Card acceptance is dominated by Visa, Mastercard and the domestic JCB (Japan Credit Bureau), with Mitsui Sumitomo Card and JCB as major domestic players. The QR/code-payments layer is governed by the JPQR unified-code standard (introduced to consolidate… Full module →

Card-scheme and interbank network compliance sits on the NBK Payment Systems Registry (systemically-important/important classifications), with Visa itself classified as an important payment system domestically; PCI DSS applies as the standard scheme-level… Full module →

Card-scheme compliance in Kenya operates through the global Visa/Mastercard rulebooks and PCI DSS enforced via acquirers; Kenyan PSPs such as Pesapal hold PCI DSS Level 1 certification. Kenya completed an EMV chip migration ('Great Migration to EMV Chip'… Full module →

China UnionPay is the de facto national card scheme in Laos, with near-total POS/ATM acceptance since a 2015 build-out partnership with China Development Bank and BOL; the Lao National Payment Network (LAPNet), co-founded with UnionPay as shareholder… Full module →

Brazil is the LATAM benchmark for card-scheme/interchange regulation: the BCB has capped debit interchange at 0.5% weighted-average / 0.8% maximum (from Oct 2018) and, from April 2023, brought prepaid cards into scope with a 0.7% cap while harmonising prepaid… Full module →

Full SEPA membership; Instant Payments Regulation binding, VoP mandatory since Oct 2025; EKS provides first-in-EU direct non-bank PSP access.

Liechtenstein payment businesses operate under EEA-harmonised scheme and card-network rules (PCI DSS, CBPR2) rather than a bespoke national scheme-compliance statute; the Cross-Border Payments Regulation (CBPR2) is directly applicable following EEA… Full module →

Card-scheme compliance follows the EU Interchange Fee Regulation (EU) 2015/751, capping interchange at 0.2% for debit and 0.3% for consumer credit card transactions; Lithuania is among Member States not permitting surcharging on fee-regulated cards… Full module →

Card-scheme compliance in Luxembourg is governed by the EU Interchange Fee Regulation (Regulation (EU) 2015/751), which caps interchange and prohibits territorial/scheme-processing discrimination, with member states designating competent authorities. PCI DSS… Full module →

Macau's card-scheme landscape is dominated by UnionPay given deep cultural and population ties to mainland China, operating alongside Visa/Mastercard acceptance and general PCI DSS expectations for local payment gateways. No AMCM-specific interchange-fee… Full module →

Card-scheme economics are regulated domestically by BNM's Payment Cards Framework (PCF) policy document (issued 19 August 2022, interchange ceilings effective 1 January 2023), which superseded the 2014 Payment Card Reform Framework (PCRF). The PCF lowered… Full module →

Card-scheme compliance in Malta operates within the EU Interchange Fee Regulation (Regulation (EU) 2015/751), with the Central Bank of Malta as the national authority for IFR. Interchange is capped at 0.2% (debit) and 0.3% (credit) on consumer cards… Full module →

Card networks are governed by the General Provisions Applicable to Payment Networks (Disposiciones aplicables a las redes de medios de disposición), jointly administered by CNBV and Banxico under the Law for Transparency and Ordering of Financial Services… Full module →

Card scheme rails run through CMI (Centre Monétique Interbancaire), the bank-owned interbank operator through which every Moroccan bank-card transaction historically passes. PCI-DSS and 3D Secure 2.0 are mandatory for online card processing, with annual… Full module →

The national card/payment switch is operated by SIMO (Sociedade Interbancária de Moçambique) in partnership with US firm Euronet, which has replaced the legacy SIMOrede platform since 2018/2023 to bring ATM/POS infrastructure into line with international… Full module →

The Myanmar Payment Union (MPU), founded in 2011 by state and private banks under CBM direction, is the domestic card scheme providing ATM/POS switching, with the CBM subsequently permitting international schemes (Visa, Mastercard, JCB, UnionPay) to operate… Full module →

Nepal runs a multi-scheme, closed-loop payments landscape (Fonepay, SCT, Nepal Payment Solutions, NEPS/NCHL, plus international VISA/Mastercard/UnionPay as licensed PSOs) that NRB is consolidating via the National Payment Switch (NPS) and mandatory NepalQR… Full module →

Card-scheme compliance in the Netherlands sits under the EU Interchange Fee Regulation (IFR), capping consumer interchange at 0.20% (debit) and 0.30% (credit), with a notable Dutch domestic specificity: debit/prepaid interchange is fixed at EUR 0.02 per… Full module →

RPSA 2022 designates Visa/Mastercard networks; Interchange Fee Network Standard 2025 replaced initial pricing standard 1 Dec 2025 (in-person credit ~0.8%->0.3%); foreign-issued card caps in force 1 May 2026.

Card and POS rails are governed by the CBN Guidelines on Operations of Electronic Payment Channels in Nigeria (2020), the POS Card Acceptance Guidelines, the Card Issuance & Usage Guidelines and the 2016 Interchange Fee circular, all enforced by the CBN with… Full module →

Norway retains a rare national, bank-owned, interchange-free debit scheme (BankAxept) alongside international Visa/Mastercard co-branded rails; Vipps MobilePay operates under 2018 merger remedies mandating transparent pricing and open APIs, while global… Full module →

1LINK operates the dominant interbank switch, PCI DSS certified, connecting members to Visa/Mastercard/UnionPay/JCB; PayPak is PK's domestic scheme; 2016 card-security regulations mandate EMV.

Card-scheme rails in Panama run through the domestic Telered/Clave debit network alongside Visa and Mastercard acceptance via bank-operated gateways; PCI DSS compliance is expected of payment gateways and processors but there is no bespoke Panamanian… Full module →

Card-scheme conduct governed by BCRP's Card Payment Agreements Regulation (Circular 0027-2022-BCRP, the 'APT Regulation'); interoperability across QR/wallet rails mandated under Circular 024-2022-BCRP. PCI DSS certification is a de facto requirement for major… Full module →

Card-scheme rules (Visa/Mastercard) operate on a merchant-discount-rate model with interchange set by the schemes and paid by acquirers; the Philippines has no statutory interchange cap comparable to the EU. PCI DSS compliance is required for card acceptance… Full module →

Card-scheme rules (Visa/Mastercard) bind acquirers and merchants, layered over the EU Interchange Fee Regulation (EU) 2015/751 (0.2% debit / 0.3% credit consumer caps) and Poland's earlier domestic statutory caps embedded in the UUP. Poland pre-empted the EU… Full module →

Multibanco, operated by SIBS, is Portugal's dominant domestic card/interbank scheme, co-badged with Visa/Mastercard for international use. Interchange fees are capped under EU Regulation 2015/751. SIBS was fined by the national competition authority in 2024… Full module →

Domestic card and POS processing runs over NAPS (National ATM & POS Switch), with QPay as the NAPS-built e-commerce gateway; NAPS links to GCCNET and other GCC switches plus Lebanon and Egypt. NAPS does not provide direct Visa/Mastercard interfaces but routes… Full module →

Card-scheme compliance in Romania runs on EU rails: the Interchange Fee Regulation (EU 2015/751) caps debit at 0.2% and credit at 0.3%, Visa and Mastercard dominate, and PCI DSS plus PSD2 SCA/3DS apply. Mastercard publishes Romania intra-location interchange… Full module →

Mir, operated by CBR-owned NSPK, is the mandated domestic card scheme for budget employees, pensioners and (since October 2022) mobilised servicemen, and now underpins the great majority of domestic card volume following Visa/Mastercard's 2022 withdrawal. A… Full module →

Card-scheme acceptance in Rwanda runs on Visa, Mastercard and UPI alongside the domestic Smartcash card, with RSwitch operating the national gateway and being PCI DSS and PTS certified. PCI DSS compliance is mandated for entities handling cardholder data and… Full module →

Domestic card routing runs through mada, the national debit scheme operated by Saudi Payments (a SAMA subsidiary), mandated on every Saudi bank card; international Visa/Mastercard co-badge for cross-border and credit. Interchange/MSC is capped by SAMA: mada… Full module →

GIM-UEMOA governs card interoperability under Décision n°31/2015; Visa/Mastercard co-badging via GIM-VISA/GIM-Mastercard.

Card-scheme and network compliance in Serbia is anchored by the Law on Interchange Fees and Special Operating Rules for Card-Based Payment Transactions (in force 17 December 2018), modelled on EU Regulation 2015/751, which caps interchange fees and mandates… Full module →

The main card schemes operating in Singapore are Visa, Mastercard, American Express and the domestic NETS. Interchange/multilateral interchange fees are set by the schemes and embedded in the merchant discount rate; the Competition and Consumer Commission of… Full module →

As a Eurozone EU member, Slovakia sits directly under the EU Interchange Fee Regulation (2015/751), which caps consumer debit/credit card interchange at 0.2%/0.3%, and under NBS-operated domestic clearing/settlement rules (SIPS, TARGET2-SK) that intermediate… Full module →

Card-scheme and interchange rules in Slovenia follow the pan-EU baseline directly: the Interchange Fee Regulation (EU) 2015/751 caps consumer debit/credit interchange at 0.2%/0.3% for domestic and cross-border transactions, and Slovenia sits within… Full module →

Card-scheme compliance combines global scheme rulebooks (Visa Core Rules / Mastercard rules) and PCI DSS administered by the PCI Security Standards Council, applied to South African issuers, acquirers, service providers and merchants under the standard… Full module →

Korea's card market is structurally unusual: there is effectively no Western-style interchange and no branded domestic switching network. Merchant discount pricing is regulated by the FSC under the Specialized Credit Finance Business Act, with preferential… Full module →

Redsys dominant card switch under IFR caps (0.2%/0.3%); SNCE STMP clears interbank card positions; Bizum emerging scheme-level alternative.

Card-scheme and network compliance rests on the Payment Cards and Mobile Payment Systems Regulations No. 1 of 2013 and the Credit Card Operational Guidelines No. 1 of 2010; CBSL's own national card scheme (LankaPay, with JCB International) operates as a… Full module →

Card-scheme rules (Visa/Mastercard, PCI DSS) apply to Swedish acquirers/issuers under the EU interchange fee cap framework introduced from 2015, alongside the domestic instant-payment scheme layer (Swish/Bankgirot/RIX-INST) which is undergoing a multi-year… Full module →

Card acceptance runs on Visa/Mastercard plus domestic schemes (PostFinance card, Maestro legacy, Reka). Mastercard is the most penetrated card scheme. Worldline operates an Interchange++ pricing model and publishes indicative scheme fees; PCI DSS compliance… Full module →

Card-scheme operation in Taiwan runs on the standard global Visa/Mastercard/JCB/UnionPay network model with FSC-regulated credit-card-business rules governing issuer-merchant contractual relationships; no Taiwan-specific interchange-fee cap regime was… Full module →

Card and instant-rail scheme compliance in Tanzania combines international card-scheme rules (Visa, Mastercard, plus Amex/Cirrus/Maestro acceptance) with BoT's domestic standards. The TANQR Code Standard 2022 mandates a national, EMVCo-QRCPS-based… Full module →

Card payments in Thailand operate over Visa, Mastercard and local networks under BOT supervision and PCI DSS, with BOT terms regulating card-fee collection and limiting additional surcharging except as permitted. Thailand does not operate an EU-style… Full module →

Card-scheme rails in Tunisia run through Société Monétique Tunisie (SMT), the national interbank card switch (also referenced as STICPAY), overlaid by international Visa/Mastercard network participation for cross-border cards; a public debate on… Full module →

Card-scheme infrastructure runs through the Interbank Card Center (BKM), a non-profit jointly owned by the CBRT (controlling stake since April 2020) and banks, which operates the domestic card authorisation/clearing switch, the local 3DS ACS, the BKM Express… Full module →

Card-scheme compliance in Uganda runs through international rulebooks (Visa/Mastercard, PCI DSS) applied via local acquiring banks, while mobile money remains the dominant proprietary rail (MTN attained GSMA Mobile Money Certification). A long-delayed Bank of… Full module →

Ukraine's card scheme layer is Visa/Mastercard-dominated with a marginal national scheme (Prostir); PCI DSS applies via the global card-brand framework rather than a Ukraine-specific regulator, and wartime conditions have disrupted routine compliance… Full module →

Card-scheme and network compliance in the UAE combines the international schemes (Visa, Mastercard, Discover, UnionPay) with the national domestic card scheme Jaywan, operated by Al Etihad Payments (AEP, a CBUAE subsidiary) and routed through the UAESWITCH… Full module →

UK card-scheme economics are governed by the retained UK Interchange Fee Regulation (UK IFR), enforced by the PSR. Domestic consumer interchange is capped at 0.2% (debit) and 0.3% (credit). Post-Brexit, the EU IFR no longer applies to UK-EEA transactions… Full module →

Card-scheme rules (Visa/Mastercard) govern most US card acceptance, overlaid with PCI DSS and the federal interchange/routing regime. Debit interchange is capped under the Durbin Amendment (Dodd-Frank §1075) via Federal Reserve Regulation II at 21 cents +… Full module →

Alabama has not enacted an interchange-fee restriction on tax or gratuity amounts (unlike Illinois or Colorado); instead, effective September 1, 2026 (SB221/Act 2026-587), it excludes merchant-charged 'credit card transaction fees' from the state sales/use… Full module →

Alaska has no state-level card-scheme or interchange regulator; card-network rules (Visa/Mastercard) and federal law govern surcharging and interchange by default. The one Alaska-specific legislative intervention is a 2025/2026 bill barring… Full module →

Arizona permits credit card surcharging under card-network rules (Visa 3% / Mastercard 4% caps, capped at actual cost of acceptance), and the state itself surcharges credit card payments to state agencies. A 2025 legislative proposal (HB2629) targets… Full module →

Arkansas permits credit card surcharging statewide subject to notice-posting requirements under Ark. Code §4-115-101, layered under nationwide Visa (3%) and Mastercard (4%) surcharge caps. State law separately regulates card-payment acceptance in specific… Full module →

Card-scheme and surcharging compliance in California is shaped by a tangle of the federal Durbin Amendment (debit interchange cap and debit-surcharge prohibition), Visa/Mastercard network rules (credit surcharge caps of 3%/4%), and California-specific law… Full module →

Colorado is one of the few states with its own statutory surcharge regime governing card-scheme interchange pass-through: C.R.S. 5-2-212 permits credit/charge-card surcharging up to 2% or actual merchant discount fee, with mandatory disclosure, signage and… Full module →

Connecticut is one of a small number of US states with an outright statutory ban on credit-card surcharging (Conn. Gen. Stat. §42-133ff), while permitting disclosed cash discounts; enforcement sits with the Department of Consumer Protection/Attorney General… Full module →

Delaware maintains a dedicated Title 5 chapter for "Payment Networks" (Ch.50) alongside the long-standing Credit Card Institutions charter (Ch.15) that historically anchored national card-issuing banks in the state. Scheme-level compliance (PCI DSS… Full module →

DC allows card surcharging under disclosure rules enforced via the CPPA; a swipe-fee/interchange restriction bill has been introduced in the DC Council (following the Fair SWIPE coalition model) but is not yet enacted, while federal Durbin Amendment… Full module →

Florida merchants are subject to the nationwide Visa/Mastercard interchange-fee antitrust settlement framework and to PCI DSS as the scheme-mandated technical standard; a Florida-based payments company (Chargebacks911) has been the subject of a joint… Full module →

Georgia is one of a small group of US states (with New York, New Jersey, Nevada, South Dakota, Nebraska) that caps card surcharges at the merchant's actual cost of acceptance and separately regulates 'convenience fees,' layered atop card-network… Full module →

Hawaii has no state-level interchange-fee cap or surcharge-limit statute; two attempts to ban credit-card surcharging (2013-2014) failed to pass. Card-scheme (Visa/Mastercard) rules govern surcharge caps and disclosure by default, while merchant discount fee… Full module →

Idaho imposes no state-specific card-scheme or interchange regulation; surcharging is legal statewide subject only to federal card-brand caps. Repeated attempts (2023, 2025) to bar interchange on the tax/gratuity portion have failed.

Illinois is the site of the first-in-the-world state law restricting card-scheme interchange fee collection on tax and gratuity amounts (the Interchange Fee Prohibition Act), a law that has been substantially litigated, partly upheld by the district court… Full module →

No Indiana-specific surcharge cap; permissive credit-card surcharging bounded by card-network limits and federal Durbin debit-surcharge ban.

Iowa permits credit-card surcharging under card-network rules (Visa/Mastercard disclosure and rate-cap conditions), while debit-card surcharging remains uniformly prohibited nationwide under the federal Durbin Amendment; state government merchant acceptance… Full module →

Kansas lifted a decades-old ban on credit-card surcharging (HB 2247, effective January 1, 2025) after a federal court found the prior ban unconstitutional, replacing it with a disclosure-based regime that operates alongside federal Durbin Amendment… Full module →

Kentucky has no state-specific interchange or credit-card-surcharge cap in force: a 2013 attempt (HB259/HB256) never passed, so Kentucky merchants default to the card-network/federal 4% surcharge ceiling, while debit-card surcharging remains prohibited… Full module →

Louisiana permits credit-card surcharging (subject to the federal 4%/3%-Visa cap and card-network rules). Debit-card surcharging, barred under Visa/Mastercard network rules and the federal Dodd-Frank prohibition, is now also directly codified in Louisiana… Full module →

Maine's principal scheme/network rule is its outright surcharge ban, one of only a handful of full US state bans; no bespoke interchange regulation exists.

Maryland has no state-specific interchange-fee cap or dedicated card-scheme statute; card acceptance in the state follows Visa/Mastercard network rules (surcharge caps of 3%/4% respectively) and the national interchange landscape, which is being reshaped by… Full module →

Massachusetts is one of a small number of US states (with Connecticut and Maine) enforcing an outright statutory ban on credit-card surcharges (M.G.L. c.140D §28A), interacting directly with Visa/Mastercard scheme rules on surcharge disclosure. A special… Full module →

Michigan permits credit-card surcharging (since a 2013 settlement lifted the Visa/Mastercard ban) but imposes state-specific disclosure duties, prohibits debit surcharging, and treats surcharge fees as part of the taxable sales price under the General Sales… Full module →

Minnesota permits card surcharging up to 5% under a 1987-origin statute now overlaid by a 2025 Deceptive Trade Practices Act fee-transparency amendment, while national card-scheme compliance (interchange antitrust settlement, PCI-adjacent data-security… Full module →

Mississippi permits private-sector card surcharging up to federal/card-network caps but uniquely bars government entities from surcharging electronic payments; there is no separate state interchange-fee statute, leaving Visa/Mastercard rulebooks, the federal… Full module →

Permissive, disclosure-based approach to card-scheme compliance; surcharging legal; 2024 ban attempt failed; 2025 DOR tax-on-fees proposal pending.

Montana permits credit card surcharging up to ~3% in market practice; MCA 61-3-117 (state agencies) and MCA 7-6-617 (local government) expressly authorize fee pass-through for government payments. SB 528 (2025), previously cited as the enacting… Full module →

Nebraska has no dedicated state interchange-cap statute (a 2014 bill, LB991, to strip sales tax from the interchange calculation base was heard but not enacted) and imposes no state-specific surcharge ban; card-scheme surcharge rules (Visa 3%, Mastercard 4%… Full module →

Nevada's scheme-compliance layer is federal-rules-driven (Durbin, Visa/Mastercard surcharge caps) overlaid with state surcharge disclosure/cash-discount protections and gaming-specific Regulation 14.

NH imposes no state-specific card-scheme rules beyond the federal Durbin framework; the state remains among the most permissive on surcharging, having declined interchange caps (HB1319, HB682), leaving scheme rules and the national interchange settlement as… Full module →

New Jersey's principal scheme-adjacent regulation is its credit-card surcharge cap regime, enforced via the CFA, subject to active legislative pressure toward outright prohibition.

Credit-card surcharging permitted with no state cap; debit surcharging federally prohibited; HB 476 interchange bill's enactment status is contested/unconfirmed.

Card-scheme and interchange compliance in NY combines federal and state layers. Federally, Durbin Amendment debit interchange caps and Regulation II apply, and PCI DSS governs cardholder-data security. At state level, NY General Business Law §518 (amended… Full module →

NC currently has no state-specific surcharge cap; surcharging defers to card-network limits. HB13 (2025-26 session), which would cap surcharges and impose disclosure/civil-penalty requirements, is pending in the House Rules Committee (re-referred Sept 23… Full module →

North Dakota is the unlikely epicenter of the single most consequential US card-scheme compliance event of the period: a federal district court in Bismarck vacated the Federal Reserve's Regulation II debit-interchange fee standard (stayed pending appeal)… Full module →

Ohio imposes no state-level interchange or scheme-technical-standard regulation; card-network (Visa/Mastercard) surcharge caps and PCI DSS obligations apply to Ohio merchants as private scheme rules layered over a permissive state surcharging/convenience-fee… Full module →

Oklahoma has just transitioned its card-surcharge regime: the historic anti-surcharge statute (14A O.S. §2-417) - long treated as unenforceable following a 2019 AG opinion citing federal First Amendment precedent - was formally repealed by SB 677, replaced… Full module →

Oregon has no state-specific interchange-fee statute or credit-card surcharge ban; merchants may surcharge credit-card transactions subject only to federal limits (4% cap, cost-recovery-only) and card-network rules, while debit surcharging remains barred… Full module →

Pennsylvania permits credit-card surcharging within federal/network caps and, as of early 2026, has an actively advancing legislative effort (HB 2090) to bar card networks from assessing interchange fees on the sales-tax portion of transactions — following a… Full module →

Rhode Island permits credit-card surcharging up to 4% (following the 2012-13 national interchange antitrust settlement), subject to point-of-sale/entry disclosure norms, while debit and prepaid cards cannot be surcharged. A more aggressive Illinois-style bill… Full module →

No SC interchange/surcharge statute in force; federal Durbin Amendment debit-interchange cap, Expressions Hair Design surcharge jurisprudence and scheme rules govern. SC's own scheme-adjacent statute is the criminal Financial Transaction Card Crime Act.

South Dakota has no state-level card-scheme, interchange, or surcharging statute; scheme and network compliance in the state operates through federal/network channels layered on top of the state's uncapped usury-law framework, which historically concentrated… Full module →

Tennessee permits credit-card surcharging (no state-level cap; card-network limits of 3% Visa/4% other networks bind in practice) but bars debit/prepaid surcharging per uniform card-network rules and the federal Durbin Amendment. A 2015 processor-disclosure… Full module →

Texas permits credit-card surcharging (statutory ban rendered unenforceable by a 2018 federal court ruling) subject to a 4% cap and card-network disclosure rules, while a debit-card 'surcharge' is treated as an interchange fee and remains prohibited; Texas is… Full module →

Utah imposes no state-specific interchange or surcharge cap; scheme compliance is delegated to card-network rules (Visa/Mastercard surcharge ceilings) layered on top of a brief-then-repealed 2013-2014 state surcharge ban, plus ongoing exposure to the… Full module →

Vermont permits surcharging without a state cap, allows a $10 minimum-purchase disclosure rule under §2480p, and has a pending (not enacted) S.316 bill on tax/gratuity interchange.

Virginia does not regulate card-scheme rulebooks directly, but it does regulate merchant-facing scheme economics through its 2025 surcharge-disclosure statute and maintains a long-standing state credit-card crimes code governing acquirer/issuer/cardholder… Full module →

Washington imposes no state-specific cap on credit-card surcharging beyond the federal/card-network ceiling, but a state-level interchange-fee ban bill (SB 5070) has been actively debated in the legislature, and the state Department of Revenue has created a… Full module →

West Virginia is an uncapped, permissive credit-card surcharging state with no state-specific interchange regulation; merchants and government entities alike may pass through card-network interchange costs, subject only to card-network (Visa/Mastercard)… Full module →

Wisconsin imposes no state-level restriction on credit card surcharging, deferring to the federal 4% cap and card-network rulebooks.

Wyoming imposes no state prohibition or specific cap on credit-card surcharging (governed instead by the federal 4% ceiling and Visa/Mastercard network caps of 3%/4% respectively), but is nationally distinctive in capping cash-discount programmes at 5% under… Full module →

Card-scheme and interchange-adjacent conduct is governed indirectly via the usury/interest-cap law (Ley 18.212) applied to card issuers, and directly via BCU's RNSP card-issuer/acquirer rules and a published tariff register (Aranceles Tarjetas). Acquiring has… Full module →

Card payments run on bank-issued Visa/Mastercard rails, with the BCV directly regulating the maximum commissions/interchange-adjacent fees banks and non-bank POS providers may charge, most recently via the October 2025 Gaceta Oficial tariff notice. No… Full module →

The domestic card and instant-rail scheme is NAPAS, which operates NAPAS 247 (24/7 instant interbank transfers) and the national VietQR standard launched in 2021. International networks Visa, Mastercard, UnionPay and JCB operate alongside NAPAS. VietQR is a… Full module →

Domestic switch/directive framework governs ATM/POS/mobile transactions; ZIPSS modernised to ISO 20022 in 2023; international scheme compliance runs via global Visa/Mastercard rulebooks absent a bespoke domestic interchange statute.