Surcharge & Dual Pricing Laws · Georgia · Last verified 2026-08-27
Credit card surcharging is legal in Georgia, but with state-specific 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 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 price / card price) | LEGAL |
| Governing law | O.C.G.A. §13-1-15 (see also §10-1-393, UDAP) |
| Enforcement | Enforced; merchants must also accept an alternative payment method. |
Disclose the fee and accept an alternative payment method, plus card-brand disclosure rules.
Dual pricing (posting a card price and a lower cash price) is legal.
Many Georgia merchants choose dual pricing over surcharging because it covers both debit and credit and sidesteps the state's surcharge-specific caps and disclosure mechanics. Where a surcharge program fits better, it must follow the rules above exactly.
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.
Dual pricing (posting a card price and a lower cash price) is legal. Dual pricing applies to both debit and credit cards.
No. Debit and prepaid cards can never be surcharged anywhere in the U.S. — the Durbin Amendment and card-network rules prohibit it regardless of state law. Dual pricing, by contrast, lawfully covers both debit and credit.
Disclose the fee and accept an alternative payment method, plus card-brand disclosure rules.
FeeSlicers sets up compliant dual pricing programs — your card-price customers cover processing, your cash customers pay less, and you pay one flat $40/month. George, a 20-year payments veteran, confirms your state's rules as part of setup.
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This page is an educational reference, not legal advice. Surcharge and pricing law changes frequently — this page was last verified on 2026-08-27, and we confirm current rules for your state during setup. Sources: O.C.G.A. §13-1-15 (Justia).