S 4107 New Jersey Senate · 2026-2027 Regular Session

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

This New Jersey bill prohibits businesses that provide services from charging extra fees to customers who pay with a debit card. It amends existing consumer protection laws to explicitly ban surcharges for debit transactions while maintaining rules that allow small fees for credit card use if clearly disclosed. Sellers must inform customers before payment that debit cards cannot be surcharged, and violations are treated as unlawful practices subject to fines and penalties. The law applies to all service providers in the state and takes effect immediately upon passage.

Bill status passed 3 of 5 stages cleared

Introduction

May 2026

Committee Review

Jun 2026

Senate Passage

Jun 2026

General Assembly Passage

Governor

Introduced May 4, 2026 Last action Jun 18, 2026

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What changed between versions

Introduced → Reprint · 4 edits

MODERATE

The bill was significantly expanded from prohibiting debit card surcharges only on services to also covering goods and gift cards. 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. These changes make the anti-surcharge prohibition much broader in both the types of transactions covered and the payment instruments protected.

SCOPE

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

Gift cards are now included alongside debit cards as payment instruments for which sellers cannot impose a surcharge. A new definition of 'gift card' was added by reference to P.L.2021, c.431 (C.56:8-110.1).

DEFINITION

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

REQUIREMENT

The required disclosure language changed from informing customers that surcharges cannot be applied to payments made by 'cash or debit card' to 'debit card or gift card.' Cash was removed from the disclosure requirement and gift card was added.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 18, 2026

Committee

Received in the Assembly, Referred to Assembly Commerce and Economic Development Committee

lower

Jun 18, 2026

Upper · Passed

Passed by the Senate (40-0)

upper

May 18, 2026

Committee

Referred to Senate Budget and Appropriations Committee

upper

May 4, 2026

Introduced

Introduced in the Senate, Referred to Senate Commerce Committee

upper

2 primary · 3 co-sponsors