Payment Convenience Fees

Convenience fees make it easy for your business to charge an additional fee for certain types of payment transactions.

Convenience Fee Calculation

Convenience fees are calculated for each transaction based on the following four settings:

• Base fee. This is a fixed fee amount that will be applied.
• Percentage. A fee calculated as a percentage of the total payment amount and added to the base fee.
• Minimum fee amount. An amount that is the minimum that will be charged after adding the base fee and percentage.
• Maximum fee amount. An amount that limits the maximum amount of fee that will be charged.

You can mix these four settings in any way you want and set any of them to zero to not use that setting. Here are some example scenarios:

• Charge a $1.00 base fee along with a 2% fee with no minimum or maximum. On a $100.00 payment the customer will be charged an additional $3.00 fee.
• Charge a 1% convenience fee with a minimum fee of $1.00. On a $50.00 payment the customer will be charged an additional $1.00 fee because the minimum fee will be enforced. On a $200.00 payment the customer will be charged an additional $2.00.

Types of Payments

You can specify separate convenience fee settings for each of the following types of transactions:

• ACH one-time payments.
• Credit Card one-time payments.
• ACH auto pay payments.
• Credit Card auto pay payments.

You can set different convenience fee rates for each of these payment methods or choose to charge a fee for some of them and not for others.

A credit card convenience fee will be displayed once "Credit Card" is chosen as the payment method.

For the ACH and Credit Card one-time payment convenience fee types, the fee will not be displayed until the payer chooses a payment method. You can also specify an up front convenience fee setting for one-time payments that will apply to both ACH and Credit Card payments and will be displayed on the invoice payment amounts page where the payer chooses which invoices to pay and how much to pay on them.

An up front convenience fee on the invoice payment amounts page.

Other Convenience Fee Options

When convenience fees are enabled you also need to decide how you want to describe the fee to your customers. For example, it could be called a "Convenience Fee", "Service Fee", "Administration Fee", or whatever name best fits your business model.

Convenience fees are recorded as a Sales Receipt. The Sales Receipt has a line item for the convenience fee. You must create a line item that will be used to record payments received for convenience fees.

The biller has the option to uncheck the convenience fee on the "Accept Payment" screen in the Biller Control Panel when entering a customer's payment.

Enabling Convenience Fees

Enabling this option costs a one-time $50 activation fee and an additional $0.10 for each transaction that has the convenience fee applied.

Contact customer service to enable convenience fees or ask any questions you have about this feature.

NOTE: At this time, convenience fees do not apply to payment plans, subscription payments, or when using "Schedule Multiple Payments" for an invoice in Bill & Pay. Additionally, the rules for adding convenience fees to credit card transactions vary by state and is illegal in some states. Please check your individual state laws before you begin to use the Bill & Pay convenience fee feature.