Yes, businesses in Georgia can legally refuse cash and require electronic payments, such as credit or debit cards. There is no state law requiring private businesses to accept physical currency. While federal law designates cash as legal tender for debts, this does not force private businesses to accept it for retail transactions.
Key Details on Cash Policies in Georgia
- Policy Autonomy: Private businesses in Georgia can establish their own policies regarding accepted payment methods.
- Notice Requirement: Businesses should inform customers of a cashless policy before a purchase is made.
- Proposed Changes: As of 2025, there are discussions regarding proposals like House Bill 940, which would require retail stores with a physical storefront to accept cash — but as of now, going cashless is still permissible.
- Federal Context: The Federal Reserve notes that no federal law mandates private businesses to accept currency or coins.
While legislation like House Bill 940 may change this in the future, Georgia businesses currently retain full discretion over accepted payment types. Businesses that want to go cashless while still accommodating cash-preferred customers can offer a Reverse ATM™ kiosk on-site as an accessible alternative.
Georgia businesses can go fully cashless without any legal barriers — but that doesn't mean turning away customers who only carry cash. Ready Credit's Cash-to-Card® Kiosks convert physical cash into a prepaid debit card on the spot, so businesses can operate digitally while serving every customer who walks through the door.