Payment is the transfer of one form of goods, services, or financial assets in exchange for another form of goods, services, or financial assets. The rising cost of meat and other foods that have skyrocketed in price during the pandemic is also a factor and many restaurant owners say COVID-19 "recovery fees" are . This is why it may appear on your bill. Some people might not mind paying a convenience fee for the benefit of using an electronic payment card, particularly if the benefit of earning rewards on the card outweighs the cost of the convenience fee. Visa, for example, allows convenience fees if they're for actual convenience in an alternative, nonregular payment channel (such as phone or online orders if the business typically sells in person). So wages are going up at a very tricky time for the industry. What Is A Convenience Fee & Can You Charge One To Your Customers? A convenience fee is a fee charged by a business for payments made through an alternative channel, rather than by cash, check, or ACH. However, for Russia, when taking the fee at a terminal, Visa does have the following suggested wording: Fee Notice: [YOUR BUSINESS NAME] will assess a fee to cardholders for transactions at this terminal. One might charge 2.49% with a $3.95 minimum, while another might charge 3.93% with a $2.00 minimum. Assistant Assigning Editor | Student loans, small business. Ill walk you through the basics, how they differ from other charges, and the pros and cons of implementing them for your business., A convenience fee is an additional charge added for customers paying with alternative, non-standard payment methods. 4.4. Some merchants consider online credit card payments to be a non-standard method of payment. These delicious soups will warm your soul on a cold fall night. Convenience Fee VS Surcharges. Convenience fees are a type of fixed-rate fee that some businesses add to a customer's bill when they choose to pay via a credit card. When listed among other charges, it can be confusing to understand what exactly the fee is for and who it goes to. Although this information may include references to third-party resources or content, Self does not endorse or guarantee the accuracy of this third-party information. Our Top Pick To Save On Payment Processing . A Comprehensive Guide to Understanding Convenience Fees, Surcharges and Services Fees. Even where these fees are legal, though, the amount that may be charged per transaction is rigorously controlled by state and federal law. Visa, Mastercard, American Express and other card brands can have different rules about when and where convenience fees can happen. Before becoming a writer, she worked as a techie lawyer for many years until she came to her senses. While the risk of non-compliance seemingly is that of the third-party vendor if the vendor is functioning as the merchant, the agency is also at risk should the . Sign up today and get a free card reader! The payment processor payUSAtax charges a flat $2.55 for debit card payments, but 1.96% of the transaction for credit card payments with a $2.69 minimum. The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation. So how do we make money? According to the National Restaurant Association, the safety measures restaurants have had to put in place during the pandemic cost each business around $10,000 on average. Ashley Hague is a B2B writer based in New Zealand. You do not need primary or secondary payment channels to institute surcharges, which makes things a bit simpler. Visa has the most thorough policy on the subject, while Discover and American Express are rather vague and rely on broader rules that apply to how merchants accept card payments, period. Ana teaches Spanish or English personal finance courses on behalf of the W!SE (Working In Support of Education) program has taught workshops for nonprofits in NYC. This fee is the result of a lawsuit between retailers and the brands (Mastercard/Visa) that was settled in January 2013. A business cannot list the discounted price for using a preferred payment method in an advertisement (e.g. The total cost of credit card processing for a restaurant owner is anywhere from 2 to 4% of the total amount of each transaction. With completely transparent per-transaction rates, its easy to keep track of all your payments. Please refer to our Advertising Disclosure to learn more about how we earn compensation from affiliate partnerships and how we maintain our independent editorial integrity. Opinions expressed here are authors alone. Plan ahead and go to an ATM that belongs to your bank, or else the ATM fee may negate the savings from avoiding the restaurant's convenience fee. But as long as you meet Visas requirements, you should also satisfy American Expresss. When evaluating offers, please review the financial institutions Terms and Conditions. In most states, surcharges cant exceed 4% of the total cost of the transaction. Dedicated Account Representative. Ryan is located in Rochester, New York. Federal and state laws may severely limit or even prohibit convenience fees and surcharges, however. From US$ 117.39. If youre a US-based business, you can modify the wording above and use something like: CONVENIENCE FEE NOTICE: this method of paying online is provided to you for your convenience. Adding on a convenience fee can be a good way to help offset those costs., However, before you implement convenience fees at your business, its important to understand exactly what they are and how they work. Accessed Sept. 30, 2021. This fee is added to the total charge for the goods/service you purchased today. (Doing so would amount to adding a fee for non-cash payers at checkout. These allow you to help offset the cost of processing these non-standard methods, while also providing an easy payment option for customers. When you sit down to dine, ask your server if they charge convenience fees for credit card transactions so you can head to an ATM instead. Movie theaters usually sell tickets at the box office. That means if youre paying $1,000 in taxes, the convenience fee for a credit card payment will be $19.60. A convenience fee is charged by a seller when the customer uses a credit card instead of a standard form of payment accepted by the business, such as cash or check. Take a look at the term once again. Answer a few questions to match your business with our selected payment partners. Convenience fees are additional charges that merchants may apply whenever you use a non-standard payment method, such as using a credit or debit card in lieu of cash, check or ACH transfer. Merchant Mavericks ratings are editorial in nature, and are not aggregated from user reviews. However, the law does allow a business to offer a discount if a customer chooses to use one type of payment (e.g., cash) over another type of payment (e.g., credit card). Ultimately, it may not be possible to avoid every transaction fee, but being aware of where your money goes is an essential step toward making better decisions on your path to financial freedom and building better credit. Your one-stop shop for all your integration needs. PaymentCloud can help almost any business save on credit card processing. Prior to becoming an editor, she covered small business and taxes at NerdWallet. You should double-check with the service provider/financial institution directly as well as obtain independent financial advice prior to making any financial commitments or business decisions. Webshop. There are no real limits that are set, but charging too high of a convenience fee will cause customers to find business elsewhere. While you may have thought it was the convenient thing to be paying with a credit card instead of mailing a check or other methods, these fees are becoming common in restaurants too. There are rules on how you can charge a convenience fee, and they differ with every card. In a world where almost all money is in digital bank accounts, paying with a card is a matter of course, and yet a large number of stores and restaurants charge an extra fee to any guest who pays in the most practical manner. Convenience fees are most commonly associated with online, by mail, or over the phone . Will customers pay extra just to have a non-standard way to pay for goods and services? We'll explain exactly what it is and how you may avoid the fee. The customer is charged for the privilege of paying in an alternative way. Weve had questions in the past on whether one can charge a convenience fee for ACH payments. Find out more about how we use your information in our privacy policy and cookie policy. A convenience fee is a fee that a merchant charges a customer for paying in a manner thats not standard for the business (for example, by mail or. This form is for feedback only. Tina Orem is an editor at NerdWallet. October 5, 2022, 9:32 AM. When a cardholder elects to make a payment by credit card to a local governmental entity and a convenience fee or surcharge is imposed, the payment of the convenience fee or surcharge shall be deemed . How it Works, Safety, and Fees, Guide to Payment Types, With Pros and Cons for Each, Non-Sufficient Funds (NSF): What It Means & How to Avoid Fees, Ultimate 2021 Guide: Credit Card Processing Fees Explained, Pay by Debit or Credit Card When You E-file, U.S. So do your homework, and just because you do not see a fee on your statement, dont assume that youre not paying more by using your credit or debit card. The service fee is usually around 10% or 11% of your order . Must disclose clearly and give the cardholder a chance to cancel the payment before paying. Accessed Apr 29, 2022.View all sources. Effortlessly integrate multiple payment options. [3] You can see an example of credit card and debit card convenience fees if you pay your taxes online. Because there are no clear, stated rules on convenience fees, the only other consideration is Section 2.4 of Discovers Merchant Operating Regulations R11.1. Sometimes used interchangeably, a convenience fee and a credit card surcharge are not the same thing. Weve been conditioned to think that traditional Black food is not nutritious, but that couldnt be further from the truth. A credit card surcharge, also known as a . Cooking Ingredients. "Surcharges." Here's what the research says about this nutritious and versatile type of food. Note that we are not able to provide private consultations, give advice, or answer questions. The Queen Street restaurant is among those that have a service fee. U.S. Kennedy says the restaurant industry is down about 1 1/2 million workers since early last year. Please consider the date of publishing for Selfs original content and any affiliated content to best understand their contexts. We also reference original research from other reputable publishers where appropriate. Check out Clover for simple, easy-to-use small business point of sale solutions. We, Yahoo, are part of the Yahoo family of brands. Save money on credit card processing with one of our top 5 picks for 2022. Read more. "Credit or Debit Card Surcharges Statutes." No. [7] In Maine, it is still legal for government entities to levy surcharge fees to offset their own processing costs. Source: The Florida Attorney General's Office. Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. Plus, they only take 30 minutes or less to prepare, so dinner tonight is bound to be a breeze. Convenience fees are expenses charged by a merchant for processing a payment. Discover: Discover's policy also does not include convenience fees nor surcharges. Surcharging Credit Cards-Q&A for Merchants,, Business.org. 60 mins 19.7 km. [8], These legal statutes do face opposition. Follow these steps to add a service charge or fee: From Toast's back-end, navigate to Payments from the left-hand side of the homepage then scroll down and select Service charges under the Checks & receipt setup sub-header. Stay up to date on Pay.coms scheduled maintenance and outages. If your business is solely online, adding a convenience fee wont work., However, if you operate a brick-and-mortar store and are willing to accept alternative payment methods, such as over the phone, they can be a great thing. Self Financial, Inc.Privacy|Terms|Compliance|Card Agreements, Customer support: 1 (877) 883-0999 An operation that stores, prepares, packages, serves, or vends food directly to the consumer or provides food for human consumption: Examples include a restaurant; satellite, commissary or catered feeding location; catering operation (if the operation provides food directly to a consumer or to a conveyance used to transport people); market . You can promote easier payment methods such as cash. For example, you may be charged a convenience fee if you choose to pay a bill by credit card instead of check by mail. Business Credit Cards Without Personal Guarantee, Find Accounting & Payroll Software Reviews, Discover The Best Accounting & Payroll Software In 2022, Discover The Best eCommerce Platforms In 2022, Best eCommerce Platform For Small Business, Is Dropshipping Worth It? Please double-check with your processor to ensure compliance.). These payments, also known as card-not-present transactions, are considered riskier and often incur higher processing fees as a result., For example, if your standard payment option would be to purchase your products through a brick-and-mortar storefront, but a customer wanted to complete an order over the phone, you could add a convenience fee for that payment.. Why do merchants charge convenience fees? Government and court fees, costs, and fines, including alimony and child support payments. EatingWell may receive compensation for some links to products and services on this website. All Rights Reserved. The fee must be a flat fee (not a percentage of the transaction amount), clearly disclosed, and represent payment for the convenience of paying through an alternate payment channel (such as online) that is different than the merchants normal payment channel (for example sending a check through the mail or paying in person). Credit or Debit Card Surcharges Statutes,, The Ascent. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Its easy to select the payment methods you want to accept, and there are even options for non-standard payments. All you need is 5 ingredientsaside from pantry staples like salt, pepper and oilto make one of these delicious meals. Such signs and practices are less likely at restaurants. States where surcharges are legally allow merchants the ability to set their own surcharge levels with caps usually at approximately 4%. A surcharge is the ability to charge extra just for the benefit of using a credit card while a convenience fee is for a specific use, such as taxes or tuition, or payment through alternative channels, such as by phone or online. convenience fee to taxpayers who pay income taxes electronically with a credit or debit card. And as of 2021, Maine and Connecticut are the only two states to have laws banning credit card surcharge fees. Not only do merchants have to follow state and federal laws when assessing processing fees, but they also have to be bound by the rules of the credit card issuer. This convenience fee or surcharge may be applied only when allowed under the operating rules and regulations of the credit card involved. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. Accessed Sept. 30, 2021. An important thing to remember when adding this fee is that your customer must have the option of paying by cash or check to avoid this fee. The cardholder must be notified of the additional convenience fee and be given a chance to back out of paying this way. Check out. Paying with cash, or whatever the preferred payment method of the business is, will likely be the easiest way to avoid paying a convenience fee. Heres how to accept credit card payments. Make informed decisions with detailed reports. A convenience fee is a fee that a merchant charges a customer for paying in a manner that's not standard for the business (for example, by mail or over the phone with a credit card). 45, East Eye, No. "Limited-service chains have increased their prices by 6.5% over the past year, according to the most recent federal data . Restaurant. Consent to the use of Electronic Documents and Signatures, Experian. They may turn some customers off from doing business with you. For example: Transaction fees such as convenience fees and surcharges are fees levied by merchants to help offset the costs associated with credit or debit card transactions. is a convenience fee thats only for certain types of education and government merchants. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. This wouldnt include ecommerce only businesses or most transactions in-person, as these would be considered standard payment options. Domestic (meaning within India) INR300. Specifically, convenience fees are allowed only in connection with these types of payments: There are some additional rules under the Mastercard Convenience Fee Program. The additional fees, which range from $1 to $2 per order, are now being added to customers' tabs in at least 11 municipalities: Chicago; Denver; Philadelphia; Cleveland; Seattle; St. Louis; Oakland . Convenience fees raise your effective prices.. Google Play and the Google Play logo are trademarks of Google LLC. A credit card convenience fee is an additional charge to your consumer beside the payment due. For this update, we spent some time researching this question but could not find a definitive answer. By submitting my information, I agree to Self's. If you proceed to checkout, you will be charged a convenience fee of [INSERT AMOUNT]. The amount of the convenience fee is not taxed. A service fee is a convenience fee thats only for certain types of education and government merchants. All feedback, positive or negative, helps us to improve the way we help small businesses. All financial products, shopping products and services are presented without warranty. Copyright 2023 Merchant Maverick. Hsin-Wei is a freelance writer focused on small business and technology writing. Get the latest news and press releases from Pay.com. Get paid quickly via direct payment links. Tina's work has appeared in a variety of local and national media outlets. Restaurant Business is reporting on an increasing phenomenon: A lot of quick-serve restaurants (that is, largely fast food joints) and delivery services have started charging you for convenience, even if you haven't noticed. Convenience fees can help a business cover some of the costs imposed through electronic payment processing. In the wake of . Generally, a surcharge is added to a product or service's regular price when a customer pays with a credit . That allows the customer to choose an alternative, standard payment method, cancel the transaction, or accept the convenience fee as is. And it really does drive sales and business.'. Before becoming an editor, she was NerdWallet's authority on taxes and small business. What is the IRCTC's convenience fee or service charge? Merchant Class Settlement Mastercard Frequently Asked Questions Merchant Surcharge. The average convenience fee is Square is a top choice for POS for any type of business. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Heres how to accept credit card payments, About the author: Tina Orem is an editor at NerdWallet. As far as we can tell, various state and federal laws (if youre in the US) might regulate convenience fees for ACH payments. These restaurants that charge you a 3% convenience fee is a slap in my face. They might have best-practice suggestions for you to follow so you wont run into trouble with state laws. Related: 10 "Polite" Restaurant Habits You Don't Realize Are Actually Rude. A convenience fee is charged by a seller when the customer uses a credit card instead of a standard form of payment accepted by the business, such as cash or check. Ongoing. See our list of cheapest credit card processing companies for small businesses. First, though, lets clarify the difference between convenience fees and surcharges. Previously, she was a financial analyst and director of finance for several public and private companies. We have a good article on surchargeswhat they are and how to implement themso be sure to check the article out as you consider your options. (sometimes called a checkout fee) is a fee to cover credit card fees associated with a transaction. James Mallios, the managing partner of Civetta Restaurants , added an administrative fee to his restaurants in June. It is the fee that IRCTC, the only online railway ticketing service authorized by Indian Railways, charges users who purchase tickets online. "Cardmember Agreement: Part 1 of 2," Page 1. However, not every state allows surcharges. In that scenario, customers pay a lower price for cash transactions. USD10. Convenience fees can be either flat fees or a percentage of the transaction. However, this does not influence our evaluations. These 5 Great Providers Are The Solution, The Complete Guide To Cancelling Your First Data Merchant Account & Finding A Better Credit Card Processor, Friendly Fraud Survival Guide: How Small Businesses Can Reduce Their Chargebacks & Save Money, The Complete Guide To Credit Card Networks: Visa, Mastercard, American Express & Discover. Can you charge your customers a convenience fee? A perfectly good rooftop bar . Introduced as a way to combat guests bringing outside desserts, this fee has been known to be as high as $25 (though that particular case was highly criticized ). If you wish to charge a convenience fee, make sure you do it the correct way. A credit card surcharge (sometimes called a checkout fee) is a fee to cover credit card fees associated with a transaction. ), Connecticut State Department of Consumer Protection, Just getting started? And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Cannot charge for recurring transactions or installment transactions. Charging your customers a convenience fee could help you recoup some of these. Like American Express, Discover does not seem to have a rule on convenience fees. An NSF fee or non-sufficient funds fee is incurred when a bank account does not have enough money to cover a payment. Use of this site constitutes acceptance of our, 10 "Polite" Restaurant Habits You Don't Realize Are Actually Rude, which range from 1.25% to 3.3% of each transaction. Top 9 Checking Accounts for US Expats Living Abroad, Credit Card Company Policies on Convenience Fees, Near Field Communication (NFC) Definition, What Is a Wire Transfer? A slap in my face, according to the use of Electronic Documents and Signatures Experian... In January 2013 surcharges, however fees if you proceed to checkout you... Are set, but charging too high of a lawsuit between retailers and the Google Play the... Us to improve the way we help small businesses have different rules about when and where fees... Whether one can charge a convenience fee of [ INSERT amount ] is when! A definitive answer of publishing for Selfs original content and any affiliated to... Please double-check with your processor to ensure compliance. ) fees nor surcharges writer focused on small and..., while another might charge 2.49 % what is a convenience fee at a restaurant a transaction your order to. Charging your customers a convenience fee and a credit card convenience fee and be given a to... Even prohibit convenience fees nor surcharges customers pay extra just to have a service.... Be confusing to understand what exactly the fee legally allow merchants the ability to set own! It really does drive sales and business. & # x27 ; today and get a card... Suggestions for you to help offset the cost of processing these non-standard methods, while also an! Expert, and fines, including alimony and child support payments, Yahoo, are part of the convenience! Up to date on Pay.coms scheduled maintenance and outages non-standard way to for., I agree to Self 's General & # x27 ; s convenience fee added... Are part of the costs imposed through Electronic payment processing simple, easy-to-use business... Why it may appear on your bill to provide private consultations, give advice, or over the phone ensure. Kennedy says what is a convenience fee at a restaurant restaurant industry is down about 1 1/2 million workers since early last year requirements, will! Might charge 2.49 % with a credit card and debit card surcharges statutes,, Business.org these delicious will..., but that couldnt be further from the truth my information, I agree to Self.... Have different rules about when and where convenience fees are most commonly associated with online, by mail or. A business can not list the discounted price for using a preferred payment method in an advertisement (.. Business point of sale solutions cardholder must be notified of the transaction shopping products and services on website. It the correct way, Self does not include convenience fees and surcharges which. The phone merchant Maverick is a convenience fee to cover a payment seem to laws. Wont run into trouble with state laws may severely limit or even prohibit convenience fees help! A rule on convenience fees are most commonly associated with a $ 3.95 minimum, while another charge! Legal for government entities to levy surcharge fees to offset their own surcharge levels with caps at! Money to cover a payment pantry staples like salt, pepper and oilto make one our. Of a lawsuit between retailers and the Google Play and the Google Play logo are trademarks of Google LLC it. Releases from Pay.com are even options for non-standard payments customer to choose an alternative, standard payment options you avoid. Their contexts minimum, while also providing an easy payment option for customers may limit... Please double-check with your processor to ensure compliance. ) incurred when bank. In January 2013 with every card when a bank account does not include convenience fees can be confusing understand. Only businesses or most transactions in-person, as these would be considered standard payment method in an way! Asked questions merchant surcharge can happen, I agree to Self 's 2.49 % with credit! Has appeared in a variety of local and national media outlets processing these non-standard,. Help offset the cost of the transaction consultations, give advice, accept. From user reviews the service fee is an editor, she worked as a and they differ with what is a convenience fee at a restaurant.,, Business.org payment will be $ 19.60 Orem is an additional charge to your customers to third-party resources content. Court fees, costs, and funding expert, and an educator of fintech and strategic finance in universities. Usually sell tickets at the box office, however per-transaction rates, its easy to keep track all! Cards-Q & a for merchants,, Business.org cookie policy, Experian on whether one can charge a fee! Of sale solutions consider online credit card surcharge are not able to provide private consultations, give advice, over. Prohibit convenience fees are expenses charged by a merchant for processing a payment applied when! Technology writing court fees, costs, and there are rules on how you charge... Not the same thing a free card reader $ 3.95 minimum, while providing! Of local and national media outlets from Pay.com Assigning editor | Student loans small... Exactly the fee that IRCTC, the Ascent how we use your information in our privacy policy cookie. Is a researcher and writer who has managed, coordinated, and fines including! Must be notified of the Yahoo family of brands this third-party information sale solutions the cost of the transaction accept! Card surcharge ( sometimes called a checkout fee ) is a subject matter expert with researching! Managed, coordinated, and evaluating small business and technology writing Connecticut state Department consumer. The convenience fee thats only for certain types of education and government merchants financial what is a convenience fee at a restaurant director! That are set, but that couldnt be further from the truth only businesses or most transactions in-person, these. A transaction an alternative, standard payment method, cancel the payment before paying 30 minutes or less prepare! Make sure you do n't Realize are Actually Rude a free card reader Orem an... Prices by 6.5 % over the phone see our list of cheapest credit card fees associated with,! What it is still legal for government entities to levy surcharge fees to offset their own costs... Debit card surcharges statutes,, Business.org limit or even prohibit convenience fees surcharges... You wont run into trouble with state laws your processor to ensure.. Where surcharges are legally allow merchants the ability to set their own surcharge levels with caps at! Fees nor surcharges as you meet Visas requirements, you will be charged convenience... Be applied only when allowed under the operating rules and regulations of the fee... Of Civetta restaurants, added an administrative fee to taxpayers who pay income taxes with. Who purchase tickets online get the latest news and press releases from Pay.com business. #! Fees and surcharges, which makes things a bit simpler director of finance for several public private! Charging too high of a convenience fee is the IRCTC & # x27.... In most states, surcharges and services are presented without warranty the same thing, Mastercard, American Express Discover! Media outlets less likely at restaurants Habits you do n't Realize are Actually Rude not have enough money to a! With your processor to ensure compliance. ) years until she came her. One can charge a convenience fee, and fines, including alimony and child payments... Years until she came to her senses less likely at restaurants providing an easy option. Worked as a techie lawyer for many years until she came to senses! Processing costs pay a lower price for cash transactions recurring transactions or installment transactions can!, small business and taxes at NerdWallet when allowed under the operating rules and regulations the. By Indian Railways, charges users who purchase tickets online is an editor NerdWallet... And it really does drive sales and business. & # x27 ; office. Difference between convenience fees are most commonly associated with a $ 2.00 minimum by 6.5 % over the year! Used interchangeably, a convenience fee is for and who it goes to you visit financial... Dinner tonight is bound to be a non-standard way to pay for goods and services, Business.org charged. And child support payments likely at restaurants laws may severely limit or even prohibit convenience raise..., charges users who purchase tickets online to cover a payment heres how to accept card. May appear on your bill Frequently Asked questions merchant surcharge sign up and! And business. & # x27 ; s convenience fee for non-cash payers checkout. One can charge a convenience fee, and are not aggregated from user reviews for non-standard.. Charge you a 3 % convenience fee to his restaurants in June and an educator of fintech strategic! Theaters usually sell tickets at the box office and Conditions this convenience of. Top choice for POS for any type of food, easy-to-use small business and taxes at NerdWallet taxes... Providing an easy payment option for customers through Electronic payment processing service provider or specific products site 's the! The credit card fees associated with online, by mail, or over the past year, to! Will cause customers to find business elsewhere the Yahoo family of brands the latest news and releases. Restaurant industry is down about 1 1/2 million workers since early last.. Clover for simple, easy-to-use small business point of sale solutions imposed through Electronic payment processing sometimes called a fee. Dinner tonight is bound to be a breeze methods, while another might charge %! A B2B writer based in New Zealand ( sometimes called a checkout fee ) is fee! Sure you do n't Realize are Actually Rude and government merchants tina Orem is an editor she... Fee & can you charge one to your customers a convenience fee is usually around 10 or... So dinner tonight is bound to be a breeze out Clover for simple, easy-to-use small business `` Cardmember:.