An Act amending Title 72 (Taxation and Fiscal Affairs) of the Pennsylvania Consolidated Statutes, prohibiting certain payment card network fee practices; and imposing penalties.

Source of recordPennsylvania · palegis.usLast synced Sep 4, 2026

Chamber

Senate

Progress

Where this bill stands in the legislative process.

Introduced
Passed Senate
Passed House
To Governor
Became Law

Overview

This bill prohibits certain practices by payment card networks in Pennsylvania, specifically concerning interchange fees. It aims to prevent networks from charging excessive fees based on taxes collected from transactions and from imposing penalties on merchants for complying with tax laws. The bill also requires networks to accurately deduct or rebate taxes related to electronic payments. Violations could result in penalties and refunds to affected merchants and consumers.

Key provisions

Prohibits payment card networks from establishing interchange fees based on a percentage of the transaction amount plus taxes.
Requires payment card networks to either deduct taxes from interchange fees or rebate them to merchants.
Prevents payment card networks from charging fees related to disputed electronic payment transactions until a resolution is reached.
Outlaws payment card networks from imposing penalties on merchants for setting prices that comply with the law.
Defines key terms related to payment card networks, acquirers, processors, and electronic payments.
Grants the Attorney General the authority to seek injunctive relief and civil penalties for violations.
Mandates refunds to merchants and consumers if fees are collected in violation of the bill.