A 5110 New Jersey General Assembly · 2026-2027 Regular Session

Prohibits seller providing service or selling goods from charging surcharge to customer using debit card or gift card.*

This bill prohibits businesses in New Jersey from charging extra fees to customers who pay with a debit card. It directly affects sellers of goods and services, requiring them to accept debit cards without adding a surcharge. The law also mandates that if a business does charge a fee for credit card use, they must clearly inform customers that no such fee applies to cash or debit card payments. Violations of this rule are classified as unlawful practices under state consumer fraud laws.

Bill status in committee 1 of 4 stages cleared

Introduction

May 2026

Committee Review

Floor Vote

Governor

Introduced May 18, 2026 Last action Jun 4, 2026

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What changed between versions

Introduced → Reprint · 6 edits

MODERATE

The bill was expanded from prohibiting debit card surcharges on services only to also covering gift cards and goods transactions. The definition of 'debit card' was broadened to include electronic benefit transfer cards, and a new definition for 'gift card' was added by reference to existing law. The required disclosure text was also updated to reflect the new scope.

SCOPE

The prohibition on surcharges now applies to sellers providing services OR selling goods, not just services as in the original version.

Gift cards are now covered alongside debit cards. Sellers cannot impose a surcharge when a customer pays with a gift card for goods or services in New Jersey.

DEFINITION

The definition of 'debit card' was expanded to include 'electronic benefit transfer card' in addition to debit cards and ATM cards.

A new definition of 'gift card' was added, incorporating by reference the definition from P.L.2021, c.431 (C.56:8-110.1).

REQUIREMENT

The required disclosure when a seller surcharges credit card payments was changed from 'cash or debit card' to 'debit card or gift card,' removing cash from the list and adding gift cards.

TECHNICAL

The explanatory statement section at the end of the bill was removed in the reprint version.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 4, 2026

Committee

Reported out of Asm. Comm. with Amendments, and Referred to Assembly Commerce and Economic Development Committee

lower

May 18, 2026

Introduced

Introduced, Referred to Assembly Consumer Affairs Committee

lower

2 primary · 1 co-sponsor