Prohibits retail mercantile establishments from imposing surcharges on consumer credit card purchases.

This bill prohibits most retail stores in New Jersey from charging customers extra fees for using credit cards instead of cash or checks. It directly affects retail mercantile establishments (like stores selling goods or services) by banning credit card surcharges, though it allows gas stations to charge different prices for cash vs. credit if prices cover their costs. The key mechanism is a clear ban on surcharges for general retail, with the gas station exception requiring prices to match operational expenses. Violations could result in fines up to $20,000 per offense under New Jersey's consumer fraud law.