State law guide · Last verified 2026-08-27
Is Credit Card Surcharging Legal in Georgia? (2026)
Credit card surcharging is legal in Georgia, but state law adds restrictions — see the cap and disclosure rules below. Surcharges apply to credit cards only, never debit or prepaid. Dual pricing — posting a card price and a lower cash price — is legal in Georgia.
| Credit card surcharging | Legal with state restrictions |
|---|---|
| Surcharge cap | Surcharge cannot exceed the merchant's actual cost of card acceptance. Card-brand rules govern (lesser of 3% Visa/Discover cap or merchant's cost of acceptance; Mastercard 4% ceiling rarely operative). Debit and prepaid cards can never be surcharged. |
| Dual pricing (cash and card price) | Legal |
| Governing law | O.C.G.A. §13-1-15 (see also §10-1-393, UDAP) |
Dual pricing in Georgia
Dual pricing (posting a card price and a lower cash price) is legal.
FeeSlicers sets up dual pricing through North's Edge program: every item has a posted card price about 4% higher than its cash price ($3.00 cash / $3.12 card), the same for credit and debit. That structure is legal in Georgia when prices are posted the way the checklist below describes.
What to post in Georgia
A two-price checklist for Georgia businesses.
- Post the card price for every item — on your menu, shelf tags, price board and website. Never show a cash price by itself.
- Show the cash price next to it, clearly labeled as the cash price.
- Put a customer notice at the entrance and at the register saying items have a cash price and a card price. North supplies this sign to Edge merchants, in English and Spanish.
- Charge one card price for every card — credit and debit alike.
- Make sure the receipt shows the price the customer paid, never an extra amount on top of the cash price.
Surcharging in Georgia: the details
Enforcement
Enforced; merchants must also accept an alternative payment method.
Disclosure rules for surcharges
Disclose the fee and accept an alternative payment method, plus card-brand disclosure rules.
This page explains the law for education; FeeSlicers sets up dual pricing, not surcharge programs. It is not legal advice. Sources: O.C.G.A. §13-1-15 (Justia).
Questions Georgia owners ask
Can a business charge a credit card surcharge in Georgia in 2026?
Yes, with restrictions. Surcharge cannot exceed the merchant's actual cost of card acceptance. Card-brand rules govern (lesser of 3% Visa/Discover cap or merchant's cost of acceptance; Mastercard 4% ceiling rarely operative). Debit and prepaid cards can never be surcharged.
Is dual pricing (a cash price and a card price) legal in Georgia?
Dual pricing (posting a card price and a lower cash price) is legal. One card price covers both credit and debit cards.
What does a Georgia business have to post?
Disclose the fee and accept an alternative payment method, plus card-brand disclosure rules.
Other states with their own rules: California · Colorado · Connecticut · Florida · Illinois · Indiana · Kansas · Louisiana · Maine · Massachusetts · Minnesota · Montana · Nebraska · Nevada · New Jersey · New York · North Carolina · Oklahoma · Puerto Rico · Rhode Island · South Dakota · Texas · Virginia · Wyoming. Every other state is on the 50-state table. Recent updates are in the law changes log.
Want two prices set up the right way in Georgia?
George will walk you through your state's posting rules before anything goes on your counter.
Two minutes to start. No obligation. George takes it from there.