In Massachusetts, a seller cannot impose a transaction fee for a credit card sale. I still see businesses do it though. It's actually against the law. They can impose a limit on the amount of card transactions so it is up to the seller.
https://malegislature.gov/Laws/Gener...40D/Section28A
New York has a similar law but I expect if paying less than MSRP then they could charge the surcharge:
https://www.scolaro.com/ny-law-on-su...-credit-cards/