Payment processing in Tennessee.
VitaPay serves merchants in Tennessee, as it does in every US state. Below are the Tennessee 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 Tennessee.
No state surcharge restriction foundNo Tennessee statute directly addresses credit card surcharges; the Tennessee Consumer Protection Act (T.C.A. § 47-18-101 et seq.) bars unfair or deceptive practices, so a surcharge must be disclosed before the sale.
General information, not legal advice. Surcharging laws change, and card network rules apply in addition to Tennessee 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 Tennessee.
Sales tax at the point of sale
Sales tax is configured on the terminal before you go live. In Tennessee, the agency to register with is:
Tennessee Department of RevenueRegistering the business
A merchant account is opened in the name of a registered business. In Tennessee, business entities are registered with:
Tennessee Secretary of State, Business ServicesSources and date checked.
- Flexpoint: Credit card surcharging laws in Tennessee (updated March 2025) Checked September 21, 2026
- Nickel: Tennessee credit card surcharge laws (last verified mid-2026) Checked September 21, 2026
- Tennessee Department of Revenue Checked September 21, 2026
- Tennessee 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.
