N.D. Cent. Code § 13-05-06.5: 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.