Credit card payment
N.D. Cent. Code § 13-05-06.5
in effect13-05-06.5. Credit card payment
A collection agency may collect or attempt to collect, in addition to the principal amount of a
claim, a transaction fee for processing a credit card payment in an amount that does not exceed
two and one-half percent of the payment amount if:
1. The transaction fee is not prohibited under section 13-05-02.2;
2. A no-cost payment option is available to the debtor; and
3. The collection agency discloses the no-cost option to the debtor at the same time and
in the same manner as the debtor's credit card information is taken.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t13c05.pdf#nameddest=13-05-06p5Fetched: 10/16/2026