Charges for Credit and Charge Cards.

Added a new section increasing the filing fee for nonprofit articles of incorporation from $60.00 to $65.00.

Removed 'debit cards' from the list of payment methods covered by the surcharge ban, limiting protections to only credit and charge cards.

Changed the merchant surcharge cap calculation from 'whichever is less' to 'whichever is greater', allowing merchants to charge higher fees based on their processing costs.

Added a grace period allowing first-time violators to avoid penalties if they achieve compliance within 30 days of receiving a citation.

Added 'charge card' to the list of payment cards covered by the legislation.

Introduced a 3% cap on interchange fees, limiting merchant surcharges to the lesser of 3% of the transaction or the actual cost paid to the processor.

Required clear and conspicuous disclosure of fees at the point of entry and sale for in-person transactions, and on homepages/websites for online transactions.

Added a provision allowing merchants to offer discounts for cash or check payments if offered to all customers.

Prohibited merchants from refusing cash payment if they only accept credit, charge, or debit cards.

Reduced the maximum civil penalty for violations from $2,500/$5,000 to a flat $500 per violation.

Updated the short title and section text to reflect the inclusion of charge cards.

Added a note directing readers to the North Carolina General Assembly website for a full list of sponsors.

Updated the sponsor list to include Representatives Ross, Setzer, and Tyson alongside Representative Warren.

Changed the bill identifier from 'DRH30015-MU-11' to 'H13-v-1'.

Adjusted the session date and header layout to reflect the January 30, 2025 filing date.