Okla. Stat. tit. 14A, § 14A-2-211

means.

A. With respect to all sales, service, and lease transactions

including, but not limited to, any consumer credit sales

transaction, a discount which a seller offers, allows, or otherwise

makes available for the purpose of inducing payment by cash, check,

debit card, or similar means rather than by use of a credit card

shall not constitute a credit service charge as determined under

Section 2-109 of this title if the discount is offered to all

prospective buyers clearly and conspicuously in accordance with

regulations of the Administrator of Consumer Credit. There shall be

no limit on the discount that may be offered by the seller.

Pursuant to the regulations of the Administrator, a seller who

provides a discount not in accordance with regulations shall

disclose such information to the Administrator.

B. No seller may impose a surcharge on a cardholder who elects

to pay using a credit card instead of paying by cash, check, debit

card, or similar means unless the seller complies with the following

requirements:

1. Notice displaying the amount of the surcharge applicable

shall be clearly and conspicuously posted at the point of entry and

the point of sale for in-person transactions and the home page and

the point-of-sale webpage for online transactions. Notice,

including all required information, shall be verbally disclosed to

the customer for transactions processed over the phone; and

2. No surcharge shall exceed two percent (2%) of the total

transaction or the actual amount to be charged to the person or

retailer to process the credit card transaction, whichever is less.

A customer shall not be considered to have chosen to use a credit

card as a method of payment under this section if, at the time of

the transaction, the person or retailer accepts only credit cards as

payment.

C. A seller who is registered with the United States Department

of the Treasury as a money transmitter pursuant to 31 C.F.R.,

Section 103.41, and who provides an electronic funds transmission

service, including service by telephone and the Internet, may charge

a different price for a funds transmission service based on the mode

of transmission used in the transaction without violating this

section so long as the price charged for a service paid for with an

open-end credit card or debit card account is not greater than the

price charged for such service if paid for with currency or other

similar means accepted within the same mode of transmission.

Oklahoma Statutes - Title 14A. Consumer Credit Code Page 37

D. Any seller subject to the provisions of subsection C of this

section shall either conduct business at a location in this state or

comply with the provisions of Section 1022 of Title 18 of the

Oklahoma Statutes.

E. As used in this section:

1. “Credit card” means any instrument or device, whether known

as a credit card, credit plate, charge card, or by any other name,

issued with or without fee by an issuer for the use of the

cardholder in money, goods or services, or anything of value on

credit;

2. “Seller” means any person, entity, or retailer doing

business in this state in any sales, service, or lease transaction

including, but not limited to, any consumer credit sales

transaction; and

3. “Surcharge” means any additional amount imposed by a person,

entity, or retailer at the time of a credit card transaction that

increases the amount of the transaction for the use of a credit card

as payment.

F. For purposes of this section, a private educational

institution as defined in paragraph (e) of Section 3102 of Title 70

of the Oklahoma Statutes, a private school defined as a nonpublic

entity conducting an educational program for at least one grade

between prekindergarten through twelve, a municipality as defined in

paragraph 5 of Section 1-102 of Title 11 of the Oklahoma Statutes or

a public trust with a municipality as its beneficiary may charge a
tion as defined in paragraph (e) of Section 3102 of Title 70

of the Oklahoma Statutes, a private school defined as a nonpublic

entity conducting an educational program for at least one grade

between prekindergarten through twelve, a municipality as defined in

paragraph 5 of Section 1-102 of Title 11 of the Oklahoma Statutes or

a public trust with a municipality as its beneficiary may charge a

service fee. The service fee shall be limited to bank processing

fees and financial transaction fees, the cost of providing for

secure transaction, portal fees, and fees necessary to compensate

for increased bandwidth incurred as a result of providing the

transaction.