Creates new GS Chapter 66, Article 52 (No Interchange Fees on Sales Tax or Gratuities), and establishes definitions for the Article. Prohibits banks, payment card networks, and processers from receiving or charging an interchange fee to merchants on the amount of taxes or gratuity included in an electronic payment transaction as long as the merchant submits the amount of tax and gratuity as a part of the authorization. Allows merchants to submit documentation up to 180 days after the transaction to obtain a credit for the tax and gratuity. Specifies that the payment card network is not liable for the accuracy of the tax or gratuity information reported by the merchant. Makes it unlawful for the bank or processor to manipulate the computation of fees to avoid these requirements.

Provides penalties for violation of the Article, including the Attorney General’s authority to seek injunctive relief and civil penalties, and authority for a court to order refunds. Makes it unlawful for any entity involved in processing the data involved in the transactions to distribute, exchange, or otherwise use the electronic data involved in the transactions except to process payments, monitor fraud, and provide loyalty rewards or promotions.

Contains a severability clause.

Effective and applicable to transactions made on or after October 1, 2025.