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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.

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    Amanduh157 shared this idea  ·   ·  Flag idea as inappropriate…  ·  Admin →

    31 comments

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      • BrianD commented  ·   ·  Flag as inappropriate

        My fellow customers.... what's being defined here is call "surcharging" in the credit card processing industry. To charge your end-user or not to charge them has been an ongoing battle for 10+ years. Initially, MasterCard and Visa fought it, and lost in court. The states then picked up the fight.... most created legislation to approve, a handful disapproved it. There are currently 11 states (including Puerto Rico) that are fighting it. New York recently fell, and it's the belief that CA and FL are right behind them. The rest of the states will cave when those lawsuits are settled. Because of the lawsuits, many card processors will not allow surcharging. PayPal is one of them. But the card processor Wild Apricot uses, does allow it, albeit reluctantly. Apricot, because of a lack of demand from their customers, does not have it as a priority to incorporate into their code-base. So the technology is there... Apricot can do it... but you'll need to scream and get other customers screaming with you to get this moved up in development priority for them. For most all online merchants, (you), card processing fees are an enormous expense. But as we are all mostly non-profits, most end-users (your members) agree that's an acceptable practice to recover those costs. Actually, both MC and Visa have done studies, and to their surprise, found it doesn't inhibit sales... if it's kept within reason. Regardless, most states that allow it, have capped it at no more than 4% of the sale.

        So if you want this, bring it on and let Apricot know!!

      • Roger Cooper commented  ·   ·  Flag as inappropriate

        Our members are singing up for events that generally cost $50 to $60 and we charge them what we have to pay. When they sign up and pay online we need for a convenience fee to be added to the payment amount. We are just trying to break even on costs.

      • Nancy commented  ·   ·  Flag as inappropriate

        I also need the ability to add a convenience fee to invoices. For example, I need to charge a convenience fee to an invoice if a member wants to pay online instead of by cash or check.

      • Anonymous commented  ·   ·  Flag as inappropriate

        I need the ability to add additional fees to invoices. For example, I need to charge a convenience fee to an invoice if a buyer/member tries to pay online instead of by cash or check.

      • Anonymous commented  ·   ·  Flag as inappropriate

        You cannot call these fees a surcharge but if you call them an online handling fee, that will allow you to add the fee.

        I agree that this would be a great feature and I can't stress how much I'd like to see it added!

      • Daniel Friedman commented  ·   ·  Flag as inappropriate

        Hi Admin, whilst the individual credit company may have rules against this feature, is it a legal requirement?

        Should they want to cancel my account as a result, It would be an issue I should have to work through, not Wild Apricot.

        I'll just find another merchant that wants to work with me :)

      • Nick commented  ·   ·  Flag as inappropriate

        Passing on credit card fees is allowed in Australia (although the charge must be no more than the fee charged by the bank/cc company) - we would seek that online payments be subject to a surcharge - particularly the PayPal fee.

      • Anonymous commented  ·   ·  Flag as inappropriate

        Please add a button which allows our members to optionally add a [3%] fee to their bill to help our club defray the credit card processing costs.

      • Charyl Luth commented  ·   ·  Flag as inappropriate

        A 3.5% fee would cover Stripe fees. Many organizations, including government organizations (even electric companies) charge online service fees for using a credit card.

        It would appear that since others can do this, it could be done with WA as well.

        If a person checked, I will pay online (with a small explanation that a 3.5% payment processing fee will be added), then this amount could be charged to the invoice.

        Please design this feature.

      • Annie Hunt commented  ·   ·  Flag as inappropriate

        Our association supports this suggestion. We would appreciate the option to adding a convenience fee to our members that wish to process payment by using a CC.
        We were referred to use Stripe as our payment processor. They mentioned building the fee into the cost of our event/item. However, we would rather attach a percentage 'fee' of some kind to the purchase as a whole.
        Please advise.

      • Eugene commented  ·   ·  Flag as inappropriate

        I agree with this suggestion 100%. Currently we only take payments by cheque or bank transfer. We are unable to offer online payments because of the transaction fees. If we could automatically apply a fee to all online invoice payments the problem would be solved. This must be an issue for lots of WA users.

      • George Ludlow commented  ·   ·  Flag as inappropriate

        Our non-profit club has voted to allow on-line credit card payments (via Stripe) based on the condition that the member be charged a "convenience fee" that covers (more or less) the credit card processing charges from Stripe. In other words, if a member chooses to pay online, their invoice would need to be changed (programmatically, based on this selection) to include this extra fee.

      • Larry Gomes commented  ·   ·  Flag as inappropriate

        We would also like to be able to add a $2.00 convenience fee to the membership amount. It could work similar to the way the tax feature works except it would be a fixed amount and not a percentage.

      • pmet commented  ·   ·  Flag as inappropriate

        Looked through the string here but don't see an answer, it is legal to add a surcharge for CC payments and as noted it adds up so would hope WA has or is working payment option surcharge. Please let me know.

      • Anonymous commented  ·   ·  Flag as inappropriate

        Our Not-for-profit would love to be able to offer online payments but the fees eat up too much. Would need to be able to add a service charge or convenience fee so we can pass along the cost to the members who choose to pay by card.

      • [Deleted User] commented  ·   ·  Flag as inappropriate

        *******, I think your credit card fee info is a bid dated. I looked into to this is great detail 5 years back and after a court ruling that allowed several major companies to charge these fee the limitations on smaller companies has also been pretty relaxed. We deal with paypal and it isn't ilegal to pass on the fees but is against against their policy.
        A supervisor at paypal, point blank told me that their isn't any paypal police watching for who is doing this but they don't think you should and feel it it a bad business plan. We confirmed with them we can offer a cash discount price and paypal price. One last point, I believe it was discover credit card allowed the passing on of the fees but only if you pass it on for all credit cards you accept.
        A workaround would be to use the tax feature and allow us to re-label it paypal fee.

      • Jennifer Mackey commented  ·   ·  Flag as inappropriate

        I'd love to see this too. You are allowed to do it if you call it a convenience fee or at least that is what I have been told.

      • Andy commented  ·   ·  Flag as inappropriate

        The ability to add a surcharge to online payments would be very much appreciated. As mentioned before, the payments systems often charge fees. I would like to be able to add this fee to event and membership fees when payed online.

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