Credit card processing in Oklahoma
Oklahoma replaced its old surcharge ban with a capped permission in 2025. Since November 1, 2025, merchants may surcharge credit cards up to 2% or their actual cost, with specific notices, which is lower than the card networks' own ceiling.
Oklahoma law (14A O.S. 2-211, as amended by SB 677, effective November 1, 2025) allows a credit card surcharge of up to 2% or your actual processing cost, whichever is less, with posted notice. The old ban was repealed. The Oklahoma Tax Commission says Oklahoma sales tax is levied at 4.5%; check whether local taxes also apply at each location.
From college-town bars to OKC and Tulsa restaurants: Oklahoma's business mix
Oklahoma City carries state government, energy companies, an air force base and a growing downtown entertainment district. Tulsa has aerospace, energy and a revived arts and dining scene, and Norman and Stillwater run on university calendars.
Across the state, oil and gas activity, ranching and tribal enterprises support truck stops, equipment dealers and small-town retail. Severe weather season can interrupt power and connectivity.
Card fees in Oklahoma, legally
14A O.S. 2-211, as amended by SB 677 effective November 1, 2025, caps a credit card surcharge at 2% or your actual processing cost, whichever is less. Post notice at the point of entry and point of sale, or on the home and checkout pages online, and tell phone customers out loud. A business that accepts only credit cards cannot treat customers as choosing to pay by credit. The old ban in 14A O.S. 2-417 was repealed.
| Status | Allowed with conditions |
|---|---|
| Key condition | Since November 1, 2025, the cap is 2% or your actual processing cost, whichever is less. Post notice at the point of entry and point of sale, or on the home page and checkout page online, and tell phone customers out loud. A business that accepts only credit cards cannot count as a customer choosing to pay by credit card. The old ban (14A O.S. 2-417) was repealed. |
| Source | 14A O.S. 2-211 as amended by SB 677 (2025) |
The state-by-state surcharge table · information, not legal advice
Which pricing suits OKC and Tulsa restaurants?
With a 2% statutory cap, a surcharge will not cover the full cost of premium rewards cards, so Oklahoma merchants usually pair it with better base pricing. Restaurants and shops should confirm their terminals can cap the fee at 2% and apply it to credit only. Energy-sector suppliers selling to other businesses save more with commercial card data and ACH.
POS for truck stops and fuel retailers, energy-sector suppliers and more
- OKC and Tulsa restaurants
- Surcharge settings capped at 2% on credit only, tip adjustment and notice prompts.
- Truck stops and fuel retailers
- Fleet card acceptance and EMV at the pump.
- Energy-sector suppliers
- Invoicing with Level 2 and Level 3 data and ACH.
- College-town bars
- Tab management and game-day terminal capacity, set up around how college-town bars in Oklahoma sell.
City-level pages
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Towns and cities we serve in Oklahoma
Oklahoma City · Tulsa · Norman · Broken Arrow · Edmond · Lawton · Moore · Midwest City · Enid · Stillwater · Muskogee · Bartlesville · Owasso · Shawnee · Ponca City · Ardmore · Duncan · Yukon · Del City · Bixby · Sapulpa · Altus · Bethany · Sand Springs · Claremore
Commercial corridors
Oklahoma City
Western Avenue · Automobile Alley (Broadway Avenue) · NW 23rd Street · Classen Boulevard · May Avenue · Memorial Road
Tulsa
Cherry Street (15th Street) · Brookside (Peoria Avenue) · Main Street · Utica Square · 71st Street
Norman
Main Street · Campus Corner (Asp Avenue) · Lindsey Street
Asked by Oklahoma merchants
Since November 1, 2025, 14A O.S. 2-211 as amended by SB 677 caps it at 2% or your actual processing cost, whichever is less, with posted and spoken notice rules. For OKC and Tulsa restaurants: Card network rules also apply. For OKC and Tulsa restaurants: Check current rules first.
The amended statute says a business that accepts only credit cards cannot count customers as choosing to pay by credit, so a surcharge does not fit that model.
The statute calls for notice on the home page and checkout page for online sales.
All of it, from Edmond to Enid. For college-town bars: Oklahoma City and Tulsa have their own pages here. For college-town bars: We do not send sales reps door to door; the whole process runs by phone and email.