WA SB5070

Prohibits credit/debit card interchange fees from being charged on the tax portion and gratuity/tip portion of electronic payment transactions in Washington state

Requires payment card networks to provide merchants a mechanism to transmit tax and gratuity data within two years of the effective date to exclude those amounts from interchange fees

Bans employers from reducing employee tips, gratuities, or service charges by any interchange fee amount, ensuring workers receive 100% of their earned tips

Establishes a $1,000 civil penalty per transaction for violations, with refunds owed to merchants, and classifies unauthorized use of transaction data as a consumer protection violation

Takes effect July 1, 2026, and amends RCW 49.46.020 (minimum wage law) while adding a new chapter to Title 19 RCW