Prevent credit card surcharge from including sales tax

HB 4396 prevents credit card processing fees from being calculated on top of sales tax. It requires merchants to exclude state and local sales taxes, hotel occupancy taxes, alcohol taxes, and rental vehicle surcharges from the transaction amount used to calculate credit card interchange fees. Payment networks must either deduct the tax amount from processing fees at settlement or provide a proportional rebate to merchants. This directly affects merchants who accept credit cards and payment networks that handle transaction settlements.