OK SB677

Eliminates the limit on discounts sellers may offer for payment by cash, check, debit card, or similar means instead of credit cards, provided the discount is clearly and conspicuously disclosed to all prospective buyers.

Permits sellers to impose surcharges on credit card transactions if they comply with notice requirements and limits surcharges to 2% of the total transaction or the actual processing cost, whichever is less.

Requires surcharge notices to be clearly posted at points of entry and sale for in-person transactions, on homepages and point-of-sale webpages for online transactions, and verbally disclosed for phone transactions.

Establishes that customers cannot be considered to have chosen credit card payment if the seller accepts only credit cards as payment.

Repeals the prior prohibition on surcharges for credit card or debit card use and becomes effective November 1, 2025.