credit card fees to be paid by members
Our members love being able to pay their membership dues by credit card. However, our biggest gripe with the payment systems that apricot supports is that there doesn't appear to be a way to give the credit card processing fee to the member, rather than our company. Since our membership costs are very high ($36,750), these small (~ 3.5%) fees really cost us a lot of money ($1,286.25), and it would be very helpful if we could pass these fees back on to the member.
For example, if there was a way to allow members to manually enter in the amount they want to pay by credit card (including the 3.5% fee), rather than automatically having to pay the full invoice amount (less the 3.5% fee). I know Intuit QuickBooks allows the members to add the fee to their payment, but Apricot doesn't support intuit quickbooks online payments.
Many thanks for your comments and feedback in this thread - it was super helpful for us in analysis and design of the feature.
I'm happy to announce that we're working on adding donations to compensate payment processing fees. This feature will be released later this year.Some design decisions I wanted to speak out explicitly:
1. We decided to proceed with optional donations to compensate credit card processing fees as opposed to surcharges/convenience fee.
Main reasons for this is that there are too many regulations around mandatory charges to compensate fees: it's illegal in some countries/states, there are caps on how much you could charge, etc. To avoid all of this legal complications we decided to suggest members to opt-in to compensate processing fees, as opposed to make them obligatory.
All these transactions will be recorded as donations in WA and can be later used for tax deduction.
2. You will be able to set the amount of donation based on amount of payment (e.g. 2.9% +$0.3) based on your average transaction fees.
Reason for this is that it's technically almost impossible to calculate amount of fee before transactions is done - there are too many variables in place: currency conversions, cross-border fees, different fees for credit card brands, etc.
Thanks again for you support, votes and feedback. We really appreciate it!
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Aaron Fracht-Monroe commented
Another request for this option. While we are OK eating the cc fee for $35 membership cost, we have members that want to pay for events ($700-$3000) by credit card, and cannot afford to subsidize the credit card fees. +
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Jody Vanover commented
Please create this option, we are losing revenue with every transaction. This will benefit all Personify users. Payment transaction fees have become the norm. Many are willing to pay for the convenience of using their card.
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Mark commented
I imagine that they won't implement this feature because they want us to use their payment system. By making it impossible for their users to pass on the CC fees and therefore costing us a lot of money, they expect that we'll acquiesce. Call me cynical. Problem is, our members have expressly told us they do not want to add yet one more method of payment for them to have to deal with. So we're stuck.
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IM commented
Can a tax (renamed processing fee) be added automatically when checking out without it being on the invoice?
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Craig Singer commented
Honestly, in 2023 it's utterly baffling that Wild Apricot doesn't offer this functionality when virtually everyone else does. And according to the people at AffiniPay, it's not their issue, because their own internal payment interface does have this option. It's up to Wild Apricot to add it at their end. THIS IS SURELY ONE OF THE MOST IMPORTANT, IF NOT THE MOST IMPORTANT, FEATURE CHANGE YOU FOLKS AT WILD APRICOT NEED TO MAKE. I mean, look at the number of votes. Thank you.
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Gary Henry commented
These entries are pretty old ... it is still very much of an issue for us. I implemented the tax method suggested below, but only covers events. We need it to work on general credit card donations scenarios. Does anyone have another work around?
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Brendan Chard commented
I've found an elegant solution to this for our membership invoices based on a combination of the comments below and the existing "tax" functionality in Wild Apricot Personify.
First, on the common fields in contacts, create a radio button option where you can set a member's payment preference. In ours, the two choices are "Pay by Check" and "Pay By Credit Card and Pay 3% Service Fee". I've opted to make this an administrative only field, since we generally manage this for our members. But it could just as easily be required a field set by members themselves.
Next, under Finances -> Taxes. Make a tax called "Credit Card Fee" and set it to whatever percent you want. We use 3%.
After that, create an override rule further down the Taxes screen to apply the "Credit Card Fee" tax when a common field is set to "Pay By Credit Card and Pay 3% Service Fee."
Finally, at the bottom of the screen, choose when this tax applies. For us, we are applying it to Membership Invoices.
When finished the system will now apply the 3% credit card fee (tax) to membership invoices that are created when the contact has the "Pay By Credit Card and Pay 3% Service Fee" option checked on their contact profile.
This doesn't cover all scenarios mentioned in the comments below. Certainly having a system-wide checkbox to "Pass X% credit card fee to payor" would be awesome. But, This at least solved our problem with adding the fee to member invoices when they pay by credit card.
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Anonymous commented
"Add 3% to my total amount to help cover the payment processing fees" has become a popular option among nonprofits to help offset costs.
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Webmaster commented
With running an online store, and running that at close to 0% margin for club merchandise.. the online merchant payment fees for PayPal can be hard to manage. It would be very useful to be able to automatically calculate the PayPal fee and add that to the price of the item. Is that possible?
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Darren Vance commented
Agreed 100%. We are losing significant revenue. This is entering its 3rd year as a request, but due to the pandemic nonprofits are especially hurting and need this assistance from Wild Apricot.
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Mark Spruiell commented
It's silly that this still hasn't been implemented yet. We're working around this missing feature by adding multiple registration types to each event (e.g., one type for cash payment and one for credit card payment with the extra fee). We constantly have to deal with members who mistakenly choose the wrong one, such as selecting the cash payment type but then pay with credit card. As you can imagine, this causes a lot of hassle for the admins.
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Robert Bell commented
I would like an ability to keep automated integrations and link to custom payment pages to allow passing of fees to individual paying. It should a simple integration change to allow members to punch out payment page as done today and only pass back the membership payment amount or better pass back an update to invoice to add line for processing fee and update to paid. I am attaching a sample payment page.
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Darren Vance commented
Pretty much all other sites allow for this functionality. Is this something we can expect?
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Melissa Ekberg commented
How long until a online payment macro and parameters is available? This is costing my organisation in excess of $10k per annum. It appears to be a very common problem and request!
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Sue commented
Let the user cover the online processing fees - especially for donations. There is a work-around when you know the money amount, such as for an event. (Use the radio buttons with extra charge field) However, donations amounts have a wide range. Right now, we have to tell donors to get out their calculator and add the processing fee to their donation - very 20th century!
A quick work-around would be to allow "taxes" to be added to donations. We could create a "tax" that is actually the online processing fee.
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Sue commented
There is a work-around that does this. In your membership form, add a field that is type "radio button with extra charge" The text will say something like "Do you want to cover the on-line processing fee?" When they click the answer yes, you can add the fee.
Unfortunately, this only works for things where you know the amount, like membership or events. I need this for donations, which can vary in amount greatly. If anyone finds a way to do that, let me know! -
Graeme Block commented
We would like to be able to offer the option of online and offline payments where those who choose online payments have a credit card surcharge added automatically
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CGC commented
Any chance we can have the payment processing fee be charged to the payee at the time of check out and not to our organization? We are a not for profit charity so the funds saved on this alone would be of great benefit to our program.
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Maureen Korzik commented
I would like the feature of having Affinipay offer customers a choice of covering their transaction fees when they make a purchase using a credit card. As a non-profit, this would save us a significant amount of money I currently do not use Affinipay but would if they had this feature.
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Rod Woods commented
We don't need the partial payment. Our fees are in the $600 range and we need to charge the member the full 3% charge since we are non profit orginization. This is a core need for our club.Some members pay by check and some by credit card. The people paying by check shouldnt be funding people 's credit card usage.