(a) An insurer or insurance producer may accept electronic payment, as defined in G.S. 147-86.20, of an insurance premium if the insurer or insurance producer complies with the prohibition against unfair discrimination contained in G.S. 58-63-15(7).
(b) An insurer or insurance producer accepting electronic payment by credit or debit card may charge the person using electronic payment a convenience fee in an amount not to exceed four percent (4%) of the electronic payment.