The Processing Fees feature allows merchants to automatically add a fee to credit card payments. This feature applies exclusively to card payments and does not support other payment methods, such as bank transfers, checks, or point-of-sale (POS) payments.
Important: Merchants can apply surcharges where permitted by federal and state laws. However, before charging fees, clear customer notification, such as prominent signage or explicit terms in agreements, is required.
Before you start
How to set up processing fees
Go to Settings > Billing Settings > Billing Rules and find the We'll generate processing fees section.
Turn on Automatically to activate automatic fees added to credit card charges. Additional fields will appear for configuring automatic fee settings:
Plan – Select a plan that will be used as the template plan for processing fees. This allows you to specify the payment account with which you would like to have these fees associated. Learn how to add Billing Plans →
Fee – This section allows you to set a fee as a percentage (%) of the invoice charge. Four fields are available: Default, Visa, Mastercard, and American Express. Each one specifies a certain fee, depending on the type of card that is used for the payment. The Default fee will be used for any other cards or cards without a specified fee percentage.
Once enabled, the fees will automatically apply to relevant payments. These fees will also appear in the order summary.
Processing fees explained
Automatic invoice fees:
Fees are generated:
if a card is added as a payment method and your preferred payment method is set to Auto.
if your preferred payment method is set to Card (regardless of whether you have a card added or not.
Fees are not generated:
if you don't have a card added as a payment method.
Manually generated invoices:
Fees are excluded from invoices when card details are missing, or payment methods are not specified during invoice creation.
Fee calculation:
Processing fees are calculated based on the total invoice amount, regardless of the charged card type.
Adding payment details later:
If payment details are added after an invoice is generated but remain unpaid, the system will adjust processing fees based on the new payment method.
Disabling processing fees:
If you turn off the processing fees feature but have used it for a while, previously added fees will be handled as follows:
Paid invoices: Fees paid using non-card methods are removed.
Unpaid invoices: No fees will be added when paying with cards.
Billing Lock Date:
If a billing lock date is activated, locked invoices cannot have fees added. Notifications are provided in the Admin Portal and via email when this situation arises.
Partial payments:
Fees depend on the first payment method used:
If the first payment is a credit card, fees will be added.
Subsequent payments made with a credit card will not add fees if the first payment used a non-card method.
Alternative payment methods:
Fees do not apply to alternative payment methods like PayPal or Hosted Payment Gateways.
Any existing fees are automatically removed.