Enacts new GS 66-67.10 prohibiting persons selling goods or services at retail (merchant) from imposing a charge for credit or debit card payments that is more than the charge the merchant pays to a payment card entity to facilitate or process those payments. Requires merchants imposing these charges to conspicuously disclose the amount of such charges in any advertisements it posts stating that it accepts payment by debit or credit card. Authorizes the Secretary of Commerce to assess civil penalties against a merchant for violations. Sets caps on the fees for initial and subsequent violations. Directs that the proceeds of any civil penalties will be remitted to the Civil Penalty and Forfeiture Fund in accordance with GS 115C-457.2.

Effective October 1, 2025, and applies to payments made on or after that date.