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      What are the transaction fees for FreshBooks Payments?

      When processing online payments through FreshBooks Payments powered by WePay, there is a transaction fee included. Pricing is very simple - it's 2.9% + $0.30 on all credit card transactions, with the exception of American Express, which is 3.5% + $0.30. Payments made with Bank Transfers (ACH) are 1%. The transaction fee is taken out of each payment that is processed before being deposited into your account.


      Charging the credit card fee / transaction fee back to your Clients is against most countries' and state laws (also known as a convenience fee, service fee or surcharge).


      The below transaction fees are for businesses in the United States:

      Payment Type Transaction Fee
      Bank Transfer (ACH) 1% (caps available for Select)


      The below transaction fees are for businesses in both Canada and the United States:

      Payment Card Types* Transaction Fee Advanced Payments Fee**
      Visa Credit, Debit Cards and Prepaid Cards  2.9% + $0.30 3.5% + $0.30 
      Discover Credit and Prepaid Debit Cards   2.9% + $0.30 3.5% + $0.30 
      MasterCard Credit, Debit and Prepaid Cards   2.9% + $0.30  3.5% + $0.30 
      American Express Credit and Prepaid Debit Cards  3.5% + $0.30  3.5% + $0.30 

      * These are the most common domestically issued card types and processing methods.
      They do not represent all the possible fees and variations that are charged to the merchants.

      ** These fees are applied when using the Advanced Payments add-on with card not present transactions. 

      Chargeback Fee

      All transaction fees are automatically logged as Expenses in your FreshBooks account. You can also log into your WePay dashboard to see the fees deducted from your transactions. Note that transaction fees are not refunded if a partial fee refund is processed, while full refunds will include the transaction fees too.

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