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It was more complicated, I believe. The marked and advertised price had to be what credit card users would pay, but they could have a cash discount at the register or checkout.

Starting in early 2013, as a result of a settlement of a class action by merchants, they no longer have to charge credit card users the advertised and marked price. They can advertise and mark the cash price, and charge a credit card surcharge of up 4% or the processing fees for that transaction (whichever is smaller).

Some states have laws that limit surcharging. There is a list in this Visa article about the post settlement rules: http://usa.visa.com/personal/get-help/checkout-fees.jsp



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