Overview
Every U.S. state falls into one of three categories. Yeeld configures its engine automatically based on where your customer is located.
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Status | Jurisdiction | What it means for you | Engine behavior |
|---|---|---|---|
Prohibited | Connecticut, Maine, Massachusetts, Puerto Rico | Surcharging is not permitted | Yeeld blocks surcharging automatically. No override is available |
Ambiguous | California, New York, Mississippi | Surcharging may be legally possible but carries state-specific requirements and additional risk | Disabled by default. Can be enabled, see ambiguous states below |
Permitted | All other U.S. states | Surcharging is allowed subject to your cost of acceptance and the applicable cap | Yeeld applies the correct cap automatically |
State-specific caps
Two states have caps below the standard maximum. Yeeld applies these automatically.
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Jurisdiction | Cap |
|---|---|
Oklahoma | 2% |
Colorado | Up to 2% of the transaction, or up to your cost of acceptance, subject to the 3% network cap |
All other jurisdictions | 3%, or your cost of acceptance if lower |
Ambiguous states
California, New York, and Mississippi each have requirements that make surcharging more complex. Enabling surcharging in these states is a legal and business decision, not one Yeeld makes for you. Consult legal counsel before enabling any of them.
California
California prohibits advertising a price that excludes required fees. There is legal ambiguity around whether a credit card surcharge qualifies as a required fee, which creates enforcement risk.
If you enable surcharging in California, you must ensure that an alternative non-surcharge payment method, such as debit or ACH, is available to customers at checkout. Surcharging can be enabled for California by any customer during onboarding.
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Risk level | Approach |
|---|---|
Low risk | All-in pricing - include the surcharge in the advertised price |
Medium risk | Dual pricing - display both a non-credit and a credit price side by side |
Higher risk | Line-item surcharge at checkout - adding a surcharge on top of a posted price carries the highest enforcement exposure |
California can be enabled for any Yeeld merchant during onboarding, across all integration types.
New York
New York requires that the total price, inclusive of any surcharge, be displayed upfront. You cannot add a surcharge on top of a posted price at the point of payment.
New York is disabled by default. API customers and platforms can request to enable it. If you do, you are responsible for ensuring all-in pricing is displayed correctly at every customer touchpoint.
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Risk level | Approach |
|---|---|
Low risk | All-in pricing - include the surcharge in the advertised price |
Medium risk | Dual pricing - display both a non-credit and a credit price side by side |
High risk | Adding a surcharge at checkout that exceeds the price posted at entry. Explicitly prohibited. |
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Integration | New York Availability |
|---|---|
Stripe Checkout | Disabled - cannot be enabled |
Stripe Payment Links | Disabled - cannot be enabled |
API (Merchant) | Can be enabled on request - contact support@theyeeld.com |
API (Platform) | Can be enabled for your sub-merchants via the API |
Mississippi
Mississippi restricts surcharges on certain state-issued card types, including procurement cards, travel cards, and fleet cards and is not enabled by default by Yeeld.
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Integration | Mississippi Availability |
|---|---|
Stripe Checkout | Enabled by default |
Stripe Payment Links | Enabled by default |
API (Merchant or Platform) | Disabled by default - pass BIN data to correctly identify and exclude restricted state-issued cards |
API (Platform) | Disabled by default. Can be enabled for your sub-merchants via the API - pass BIN data to correctly identify and exclude restricted state-issued cards |