Bill Text: NJ S4107 | 2026-2027 | Regular Session | Amended
Bill Title: Prohibits seller providing service or selling goods from charging surcharge to customer using debit card or gift card.
Sponsorship: Partisan Bill (Democrat 5)
Status: (Engrossed) 2026-06-18 - Received in the Assembly, Referred to Assembly Commerce and Economic Development Committee [S4107 Detail]
Download: New_Jersey-2026-S4107-Amended.html
Sponsored by:
Senator M. TERESA RUIZ
District 29 (Essex and Hudson)
Senator JAMES BEACH
District 6 (Burlington and Camden)
SYNOPSIS
Prohibits seller providing service or selling goods from charging surcharge to customer using debit card or gift card.
CURRENT VERSION OF TEXT
As reported by the Senate Commerce Committee on May 18, 2026, with amendments.
An Act concerning the use of debit cards 1or gift cards1 to pay for 1goods or1 services and amending P.L.2023, c.146.
Be It Enacted by the Senate and General Assembly of the State of New Jersey:
1. Section 1 of P.L.2023, c.146 (C.56:8-156.1) is amended to read as follows:
1. As used in this act:
"Credit card" means a card, plate, charge card, charge plate, or other single credit device that may be used from time to time to obtain credit.
"Debit card" means any instrument or device, whether known as a debit card, automated teller machine card, 1electronic benefit transfer card,1 or by any other name, issued with or without fee by an issuer for the use of the debit card holder in obtaining money, goods, services or anything else of value through the electronic authorization of a financial institution to debit the debit card holder's account.
1"Gift card" means gift card as that term is defined in section 1 of P.L.2021, c.431 (C.56:8-110.1).1
"Goods" means any beverage, chattels, foodstuffs, products, or wares of any type or description but shall not include "motor fuel."
"Motor fuel" means any combustible liquid or gaseous substance used, or suitable, for the generation of power to propel motor vehicles.
"Restaurant" means an establishment in which the principal business is the sale of food or beverages for consumption on or off the premises.
"Seller" means a person who sells, leases, or rents goods or services to a customer.
"Surcharge" means any additional amount imposed by a seller at the time of a credit card transaction that increases a charge to a customer for the use of a credit card.
(cf: P.L.2023, c.146, s.1)
2. Section 2 of P.L.2023, c.146 (C.56:8-156.2) is amended to read as follows:
2. a. A seller shall not impose on a customer who uses a credit card for a transaction occurring in New Jersey a surcharge that is greater than the actual cost to the seller to process the credit card payment. A seller subject to the provisions of P.L.2023, c.146 (C.56:8-156.1 et seq.) shall make available to the Director of the Division of Consumer Affairs in the Department of Law and Public Safety for inspection any account books, papers, documents, and other records necessary to enable the director to determine reasonable compliance with the provisions of P.L.2023, c.146 (C.56:8-156.1 et seq.). A seller that imposes a surcharge on credit card transactions shall clearly and conspicuously disclose, prior to payment, that the seller is prohibited from applying a surcharge to payments made by 1[cash or]1 debit card 1or gift card1.
b. A seller that imposes a surcharge on a customer to process a credit card payment shall disclose the amount of the surcharge to a customer, prior to the customer incurring any charge for goods or services, by, in the case of a seller other than a restaurant, posting clear and conspicuous notice on a sign at the point of entry and point of sale or, in the case of a restaurant, on a sign in the customer service area and on the menu, except:
(1) if the seller is processing a credit card payment for a transaction that will occur through an Internet website, a mobile application, or an electronic kiosk, the seller shall provide clear and conspicuous electronic notice on the checkout page of the Internet website, mobile application, or electronic kiosk prior to processing the transaction; or
(2) if the seller is processing a credit card payment for a transaction that will occur over the telephone, the seller shall provide verbal notice prior to processing the transaction.
c. A seller providing a service 1or selling goods1 shall not impose 1a surcharge1 on a customer who uses a debit card 1or gift card1 for a transaction occurring in New Jersey 1[a surcharge]1.
d. A violation of this section is an unlawful practice pursuant to P.L.1960, c.39 (C.56:8-1 et seq.).
(cf: P.L.2023, c.146, s.2)
3. This act shall take effect immediately.
