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How to Charge Credit Card or eCheck Processing Fees

This guide outlines the steps to set up credit card processing fees within your system. This allows you to charge a specific amount or percentage for each transaction.

Prerequisites:

Merchant Account: You need an active merchant account with a provider that supports this functionality (e.g., IPpay, Authorize.net , Stripe).
Access to Payment Settings: Ensure you have the necessary rights or permissions to modify billing and payment settings within your system.

1. Locate the main menu (a nine-dot icon in the upper-right corner of the app).

How to Charge Credit Card or eCheck Processing Fees

2. Access Payment Gateways

Navigate to the “Billing” tab.
Select “Payments.”
Click on the “Payment Gateways” tab.

3. Select Your Processor
Choose your specific payment processor from the list (e.g., IPpay)

4. Configure Credit Card Fee

Look for a section titled “Charge _____ when processing a credit card payment” or similar.
Enable the option.
Click on the blue highlighted text.

5. Select/Create Fee Item

If you have existing fee items, choose the appropriate one from the list.
If you need to create a new fee item, click “Add Item.”
Adding a New Item:
- Provide a descriptive name for the fee (e.g., “Credit Card Processing Fee”).
- Set the amount or percentage.
- Specify any applicable taxes.
Editing an Existing Item:
- Select “View and Edit Item.”
- Adjust the rate, tax, or other details as needed.

6. Alternative Method (via Items Tab)

From the main menu, go to “Billing.”
Select “Items.”
Under the “Fees” section, add or edit the specific charge for credit card processing.

7. Set the Rate
In the Rate Option dropdown, select whether you want to charge a fixed amount or a percentage of the transaction.

8. Select NON-RECURRING FLAT RATE

This is a fixed amount charged per transaction, regardless of the transaction value. For example, you might charge $0.30 per transaction.
Pros:
- Simple to understand: Easy for both you and your customers to calculate.
- Predictable: You know exactly how much you’ll earn on each transaction.
Cons:
- It is less fair for varying transaction sizes: A $0.30 fee is more significant on a $5 transaction than a $100 transaction.
- May discourage smaller purchases: Customers might hesitate to make small purchases if the flat fee seems disproportionately high.

9. Select PERCENT BASED (PAYMENT TOTAL)

This is a percentage of the transaction amount. For example, you might charge 2.9% of each transaction.
Pros:
- Scales with transaction size: The fee is proportional to the purchase amount, making it fairer for both you and your customer.
- Better for higher-value transactions: You generate more revenue on larger purchases.
Cons:
- Less predictable: Your earnings will vary depending on the transaction amount.
- May seem complex to some customers: Calculating percentages can be slightly less intuitive for some people.

10. Save Changes.
Ensure you save all changes made to payment gateway settings and fee items.

💡 For more information about this and all other features in Visp, reach out to your Visp Client Success Team today.
Phone: 541-955-6900

Email: success@visp.net

Open a ticket via www.visp.net/ticket

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