Payment processing in Montana.
VitaPay serves merchants in Montana, as it does in every US state. Below are the Montana 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 Montana.
No state surcharge restriction foundNFIB's 2025 state guide lists Montana as allowing credit card surcharges with no state-specific requirements. Many payment-industry sites claim a 3% Montana cap, but NFIB notes they cite a 2021 bill draft (LC 0350) that does not appear to have passed. The statute some sites cite, MCA 7-6-617, covers local government payments, not private merchants.
General information, not legal advice. Surcharging laws change, and card network rules apply in addition to Montana 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 Montana.
Sales tax at the point of sale
Montana has no statewide general sales tax. The state’s tax agency is:
Montana Department of RevenueSome resort-area local taxes and specific excise taxes still apply.
Registering the business
A merchant account is opened in the name of a registered business. In Montana, business entities are registered with:
Montana Secretary of State, Business ServicesSources and date checked.
- NFIB Legal Center, Credit Card Surcharge and Cash Discount Laws Guide 2025 (PDF) Checked September 21, 2026
- MCA 7-6-617 (local government card payments, often miscited) Checked September 21, 2026
- Montana Department of Revenue Checked September 21, 2026
- Montana Secretary of State, Business Services 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.
