Georgia credit card surcharge law

Yes — no Georgia statute bans or caps surcharges; card-network rules apply.

Rule: No Georgia statute bans or caps credit-card surcharges on ordinary retail sales. O.C.G.A. §13-1-15 governs electronic-payment convenience fees only for certain loans, installment loans, retail installment and home solicitation contracts, motor-vehicle financing and insurance premium finance agreements; for those, the fee may equal actual cost, average actual cost, or up to $5.00, whichever is greater (HB 241, eff. July 1, 2025), a fee-free payment option is required, and the fee must be disclosed in advance.

Disclosure: For ordinary retail card surcharges, follow card-network rules; loan-related convenience fees have separate HB 241 disclosure and fee-free option requirements.

What this means for a $100 sale: On a $100 credit-card sale at a typical 2.9% + $0.30 rate, a compliant surcharge might be about $3.00 (customer pays about $103.00).

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This page is for general information only and is not legal advice. Rules change—verify with primary sources and professional counsel before surcharging.