Payment Processing Fees
Understand the fees for accepting payments.
Standard Card Fees
Domestic Cards
For cards issued in your country:
US Businesses:
- 2.9% + $0.30 per transaction
UK Businesses:
- 1.5% + £0.20 per transaction
EU Businesses:
- 1.5% + €0.25 per transaction
International Cards
For cards issued in other countries:
- Standard rate + 1.5%
Example (US): 2.9% + 1.5% + $0.30 = 4.4% + $0.30
Other Payment Methods
Bank Transfers
| Region | Fee |
|--------|-----|
| ACH (USA) | 0.8% (max $5) |
| SEPA (Europe) | 0.8% (max €5) |
| Faster Payments (UK) | 0.2% (max £3) |
Digital Wallets
Apple Pay, Google Pay, Samsung Pay:
- Same as card fees
- Typically lower fraud
Buy Now Pay Later
BNPL providers (Klarna, Affirm):
- Varies by provider
- Typically 4-6%
- You get paid upfront
Cryptocurrency
- 1% conversion fee
- Network fees (varies)
- No chargeback risk
Fee Calculation Examples
Example 1: $100 US Card Payment
| Component | Calculation |
|-----------|-------------|
| Percentage fee | $100 × 2.9% = $2.90 |
| Fixed fee | $0.30 |
| Total fee | $3.20 |
| You receive | $96.80 |
Example 2: $100 International Card Payment
| Component | Calculation |
|-----------|-------------|
| Percentage fee | $100 × 4.4% = $4.40 |
| Fixed fee | $0.30 |
| Total fee | $4.70 |
| You receive | $95.30 |
When Fees Are Charged
Fees are deducted:
- At transaction time
- Before funds hit your balance
- Visible in transaction details
Refund Fee Policy
When you refund:
- Percentage fee: Returned to you
- Fixed fee: Not returned ($0.30)
Viewing Your Fees
Track fees in Reports → Fees:
- Total fees paid
- Breakdown by type
- Average fee rate
- Comparison to previous period
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