DELAWARE:
SAVE TIPPED WORKERS.
SAY NO TO
HB 315.

Tipped Workers Pay the Price

The Delaware Legislature is considering a proposal, HB 315, that would change the way your credit and debit cards work and reduce tips that servers, rideshare drivers, and others depend upon.

A Misguided Mandate

HB 315 strips interchange service costs from the tip portion of card transactions, replacing convenience and certainty with confusion and chaos for every small business, tipped worker, and consumer in the state.

Businesses aren’t forced to process tips on cards — they choose to because it’s convenient and increases tips and sales. When customers don’t have to worry about cash, everyone wins.

Large National Chains Reap the Benefits

Multiple versions of HB 315 have been pushed across the country by large national chains, yet no other jurisdiction in the world processes card transactions this way. In 2025 alone, 26 states rejected similar bills after legislators recognized the risk they posed to tipped workers, small businesses, and consumers.

Stay Informed

Delaware cannot afford the credit card chaos this untested policy will cause. Tipped workers cannot afford a decline in tips, and cardholders will not tolerate the loss of convenience and privacy these new changes will bring – just so large national chains can pocket more money.

Take Action Today

HOW HB 315 WILL WREAK HAVOC IN DELAWARE:

HB 315 would create credit card chaos for consumers, small businesses, and local financial institutions. Here’s why:

Servers, gig-economy drivers, and others depend on tips for their livelihoods, but wages are diminished when consumers are limited to tipping with the cash they carry.
These vital financial institutions would face burdensome compliance requirements, excessive penalties, and reduced revenue streams that otherwise today allow them to provide free and low-cost financial services, including free checking accounts.
Under HB 315, consumers may have to use cash for tips, forcing inconvenient, separate transactions.
Eroding interchange state by state puts businesses and consumers at risk by jeopardizing funding for fraud prevention and cybersecurity investments that keep card payments secure.
Interchange funds popular credit card rewards programs that consumers depend on — including airline, hotel, and cash-back cards — and these programs are likely to disappear if interchange revenue is eroded state by state.
The state will have to use taxpayer money to defend these policies against legal challenges. 
Paid for by the Electronic Payments Coalition

www.electronicpaymentscoalition.org

1747 Pennsylvania Ave. Washington, DC 20006