Payment processing in Georgia.
VitaPay serves merchants in Georgia, as it does in every US state. Below are the Georgia rules and official offices worth knowing before you take your first card payment there: the surcharging rule, the sales-tax agency and where the business is registered.
Adding a credit card surcharge in Georgia.
Surcharges allowed with state conditionsO.C.G.A. 13-1-15 lets a lender or merchant charge a nonrefundable convenience fee for payment by card or other electronic means, limited to the actual cost (or the average actual cost for that payment type). Notice must be given first, stating the dollar amount, that it is nonrefundable, and that it applies to electronic payment, and a fee-free option by cash, check or money order must be offered.
Citation: O.C.G.A. 13-1-15
General information, not legal advice. Surcharging laws change, and card network rules apply in addition to Georgia law. Confirm the current rule with the state or your own adviser before adding a surcharge; the sources below show when this was last read.
Sales tax and registration in Georgia.
Sales tax at the point of sale
Sales tax is configured on the terminal before you go live. In Georgia, the agency to register with is:
Georgia Department of RevenueRegistering the business
A merchant account is opened in the name of a registered business. In Georgia, business entities are registered with:
Georgia Secretary of State, Corporations DivisionSources and date checked.
- Georgia Code 13-1-15 (FindLaw) Checked September 21, 2026
- Georgia Attorney General Consumer Ed, Credit Card Surcharges (2021) Checked September 21, 2026
- BillTrack50, GA HB700 (died 2026) Checked September 21, 2026
- NFIB Legal Center, Credit Card Surcharge and Cash Discount Laws Guide 2025 (July 2025) Checked September 21, 2026
- Nickel, Credit Card Surcharge Laws by State (as of July 2026) Checked September 21, 2026
- Georgia Department of Revenue Checked September 21, 2026
- Georgia Secretary of State, Corporations Division Checked September 21, 2026
Priced the same way in every state.
Interchange and card-network assessments passed through at cost, plus a stated processor margin, quoted in writing for your business. No long-term contract and no early termination penalty.
