Sources: National Bank of Georgia and provider disclosures, 2024–2025.
How Georgia pays
Georgia is a card and contactless market. Two large banks, TBC Bank and Bank of Georgia, issue most of the country's Visa and Mastercard cards and run the mobile banking apps people use for transfers and bills, and tapping a card or phone with Apple Pay or Google Pay is routine in Tbilisi and Batumi. Payment terminals and kiosks cover the rest, while cash still matters in rural areas.
Tourism and a growing community of remote workers and expatriates bring plenty of foreign-issued cards. For an enterprise merchant, the value is a strong card checkout: international and locally issued cards and the express wallets behind one integration, 3DS on card-not-present payments and retries across acquirers, with lari pricing and FX handled for you.
Why merchants run on us here
Cards and wallets live today
International card acquiring and Apple Pay and Google Pay, behind one integration.
Two banks, most of the cards
Local cards come mostly from TBC Bank and Bank of Georgia, so routing by issuer and origin matters.
Tourists and remote workers
Visitors and expatriates pay with foreign-issued cards, with 3DS on card-not-present payments.
Lari pricing and FX
Price in GEL and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Georgia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Georgia like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Georgia through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Georgian lari (GEL) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Georgia?
Talk to our payments team about going live in Georgia — coverage, local acquiring, settlement and timelines for your business.