GENERAL ASSEMBLY OF NORTH CAROLINA
SESSION 2025
H 1
HOUSE BILL 13
Short Title: Charges for Payments by Credit or Debit Card. (Public)
Sponsors: Representatives Warren, Ross, Setzer, and Tyson (Primary Sponsors).
For a complete list of sponsors, refer to the North Carolina General Assembly web site.
Referred to: Rules, Calendar, and Operations of the House
January 30, 2025
*H13-v-1*
A BILL TO BE ENTITLED 1
AN ACT TO REGULATE THE AMOUNT A MERCHANT MAY CHARGE CUSTOMER S 2
FOR PAYMENTS BY CRED IT CARD OR DEBIT CARD. 3
The General Assembly of North Carolina enacts: 4
SECTION 1. Article 13 of Chapter 66 of the General Statutes is amended by adding 5
a new section to read: 6
"§ 66-67.10. Charges for payments by credit card or debit card. 7
(a) In this section, the following definitions apply: 8
(1) Merchant. – A person that engages in the business of selling goods or services 9
at retail. 10
(2) Payment card entity. – An entity involved in facilitating or processing an 11
electronic transfer of funds between a merchant and a customer using a credit 12
card or debit card. 13
(b) A merchant operating in this State shall not impose a charge for payments by credit 14
card or debit card that is more than the charge that the merchant pays to a payment card entity to 15
facilitate or process these payments. If a merchant operating in this State advertises that it accepts 16
payments by credit card or debit card and imposes a charge for these payments, the merchant 17
shall conspicuously disclose the amount of the charge in the advertisement. 18
(c) The Secretary of Commerce may assess a civil penalty against a merchant for a 19
violation of this section. The amount of the penalty shall not exceed two thousand five hundred 20
dollars ($2,500) for the first violation or five thousand dollars ($5,000) for a subsequent violation. 21
The clear proceeds of civil penalties imposed pursuant to this subsection shall be remitted to the 22
Civil Penalty and Forfeiture Fund in accordance with G.S. 115C-457.2." 23
SECTION 2. This act becomes effective October 1, 2025, and applies to payments 24
made on or after that date. 25