Convenience Fees

A convenience fee is a Buyer Charge that can only get passed to buyers when the seller is providing a method of payment (usually internet or over the phone) different from its standard payment channel (historically mail or in-person).

Requirements

Sellers and your integration must meet these requirements to charge Convenience Fees:

• The fee is charged only when the seller provides buyers with a method of payment different from its standard payment channel.
• The fee can only be charged when processing Online Payments.
• The seller must support In-Person Payments.
• The buyer must be aware of the fee and its purpose before making a payment.
• After the fee gets disclosed, the buyer must have the option to cancel the transaction without any consequences.
• The Convenience Fee amount must be the same fixed amount across all card transactions.
• The fee must be in the total transaction amount . A separate transaction can't be created.
• Convenience Fees can't be alongside any other buyer charges.
• Convenience Fees can't be charged on a recurring or installment basis.

We recommend setting the convenience fee to about 3% of the seller's average transaction.

Using the API

Include the convenience fee in convenience_amount when creating a Transfer or an Authorization.

See the following for an example where a vehicle is getting paid for online instead of in-person or via check.

• The transaction is for a $10,000 car payment with a fixed Convenience Fee of $300.
• The fee is included in tags for tracking purposes.

curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
    {
        "additional_buyer_charges": {
            "convenience_amount": 30000
        },
        "amount": 1030000,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
            "test": "sale"
        }
    }'