interchange fees; payment card transactions

HB 2768 prohibits payment card networks (like Visa or Mastercard) from charging interchange fees based on transaction amounts that include Arizona's sales or use taxes. It specifically bans fees calculated as a percentage of the total transaction price, including tax, and prevents networks from circumventing this rule through other fee structures. The bill requires networks to disclose fee changes to Arizona's Attorney General and the public 90 days before implementation, and to annually list which issuers (banks) used those fees for transactions in Arizona. This directly affects merchants who accept card payments and the banks/ networks that process those transactions.