Home Blog Credit Card Processing What Is A Convenience Fee & Can You Charge One To Your Customers? Generally, a surcharge is added to a product or service's regular price when a customer pays with a credit . 1. Let us know about your experiences in the comments section! Her work has appeared in a variety of local and national outlets. Send us a note at. These allow you to help offset the cost of processing these non-standard methods, while also providing an easy payment option for customers. Our credit card processing fee is 2.75% + $0.30. 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. In that role, Ryan co-authored the Student Loan Ranger blog in partnership with U.S. News & World Report, as well as wrote and edited content about education financing and financial literacy for multiple online properties, e-courses and more. Each credit card company has its own rules, and they all encourage merchants to speak to their card acquirer when considering adding a convenience fee. This could be hard on a small business with already tight margins. Since there's not a way to pay cash for those services online, it's likely unavoidable in many scenarios. And it really does drive sales and business.'. 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. Get started integrating our products and services into your platform. As a regulated act, businesses must be cautious in instituting convenience fees and surcharges for customers. A wire transfer is an electronic transfer of funds across a network administered by hundreds of banks around the world. Tina's work has appeared in a variety of local and national media outlets. Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. "Visa Rules and Policy," Select "Can I Charge a Convenience Fee for Accepting Visa?" Some smaller businesses (like food trucks or stands) may not even accept credit cards to avoid hefty processing fees. As mentioned earlier, Visa has the most detailed requirements for convenience fees, so following Visas rules should satisfy the rules imposed by other card networks. 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. Before becoming an editor, she was NerdWallet's authority on taxes and small business. Our Top Pick To Save On Payment Processing . Our opinions are our own. What to Know About Minimum Payments and Your Credit Card. Accessed Apr 29, 2022.View all sources. Convenience fees are most commonly associated with online, by mail, or over the phone . 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 . All Rights Reserved. [5],[6], Convenience fees are designed to incentivize merchants and retailers to accept credit and debit card payments by helping them recover some of the processing fees associated with credit and debit card transactions.[1]. You probably got hit with a convenience fee. American Express does not seem to have a policy on convenience fees, but it does not prohibit its merchants from charging them either (see Section 3.3 of the American Express Merchant Reference GuideU.S., last updated in April 2019). ), Connecticut State Department of Consumer Protection, Just getting started? What our Partner Restaurants Say About Menufy. Read more. You can promote easier payment methods such as cash. Assistant Assigning Editor | Taxes, small business, retirement and estate planning. Her informative articles have been published in various news outlets and websites including Huffington Post, Fidelity, Fox Business News, MSN and Yahoo Finance. Kennedy says the restaurant industry is down about 1 1/2 million workers since early last year. Processing fees, such as surcharge fees and convenience fees, were banned in Colorado, Massachusetts and Kansas before 2021, but now merchants can charge them there. When not working, she can be found rock climbing or delving into a historical biography. Heres how convenience fees work, whats generally allowed and what to know. The exact fees you pay depend on a variety of factors, such as the type of cards customers are using, the payment method they choose, the risk of credit card fraud, and more. Still, DeGennaro isn't persuaded that credit card processors would promote convenience fees as a way of wooing business, since there is a danger of restaurant owners mishandling the surcharge. Get a quote and cost analysis today. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Fee must be included in the total amount of the transaction and not charged separately. Credit Card Processing Fees (2022 Guide),, Federal Reserve. Depending on the customer, this can be a turnoff or something they happily go along with. Cooking Ingredients. , or POS, system should have instructions on how to implement a convenience fee for certain sales. A bus moves by Poogan's Porch on Oct. 23, 2018. 9am-5pm CT, Monday-Friday. Credit card fees can be a significant expense for a small business. Likewise, if the merchant imposes the fee without telling you, then you may also file a complaint with the Consumer Financial Protection Bureau or related agencies. [4], It can be easy to confuse a convenience fee with a credit card surcharge. Customers can pay by credit card and that cost is absorbed as a cost of doing business. In certain countries, for example Russia, the U.S., and some countries in Asia, a merchant is permitted to charge a convenience fee to the customer. National Conference of State Legislatures. 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. These bans have come into question as some courts argue that they limit a business's freedom of speech. But as long as you meet Visas requirements, you should also satisfy American Expresss. 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. That saves customers the hassle of going somewhere, standing in line, and carrying cash to pay bills every time a different one . ACH Transfers vs. Wire Transfers: What's the Difference? A convenience fee is a fee charged by a seller when a consumer pays with an electronic payment card rather than by a standard form of payment accepted by the business. With completely transparent per-transaction rates, its easy to keep track of all your payments. Applicable to all forms of payment accepted in the payment channel. Why Do I Have a Negative Balance on My Credit Card? So, when the customer prefers the card payment to cash or check, the convenience fee appears. 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. Before becoming a writer, she worked as a techie lawyer for many years until she came to her senses. Drugstores, convenience stores and gas stations may have a posted sign informing customers of a minimum purchase amount to use a credit card in an effort to avoid being charged fees on small transactions. The fee is typically a fixed amount or a percentage of the sale. Show Transcript. Just be sure to fully understand the card network rules for implementing them and find a balance between your financial interests and customer value., Whether you add convenience fees or not, Pay.com can help you sort out all your payment methods in one user-friendly dashboard. How to Create a Business Plan for Ecommerce in 8 Steps. Online: "By selecting 'credit,' you agree to pay a $3 convenience fee.". 4.4. Please double-check with your processor to ensure compliance.). Have you ever gone to pay a bill online with a credit card, only to find that you'll be charged a "convenience fee"? In most states, surcharges cant exceed 4% of the total cost of the transaction. Offering alternative payment methods for your customers can help bring in a wide range of business, but with it come additional fees, hassles, and risk. If you only sell online, you cant charge a convenience fee. But they have to be a flat fee (say, $2 per transaction) rather than a percentage of the transaction amount (such as 2% of the total). Any views expressed in this article are those of the author and do not necessarily represent those of Pay.com. When evaluating offers, please review the financial institutions Terms and Conditions. Below are the rules of some of the major credit card providers: Mastercard: Allows for convenience fees as long as they used for all transactions and methods of payment. Major credit card companies charge processing fees for merchants to use their services, which range from 1.25% to 3.3% of each transaction. While looking at your bill, you might also see a service fee listed. Instant Food. In that scenario, customers pay a lower price for cash transactions. Ryan is located in Rochester, New York. Everything you need to know about payments and business, written by fintech professionals. While it's not pleasant to pay an extra charge, delivery fees are the price of convenience. 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. Check your agreements to understand exactly how the rules apply to your business. Convenience fees can be either flat fees or a percentage of the transaction. A convenience fee is only added to non-standard payment methods. Visa: Allows for convenience fees only if the payment is through an alternative channel, such a by phone or online, and the business first notifies the consumer, and that the fee is a flat rate, not a percentage of the sale. ingredients, kitchen supplies, heat, gas, oil, staff. You may pay us by [CHECK, ACH, IN PERSON] without incurring this convenience fee. Ryan Lane is an editor on NerdWallets small-business team. Whats the Difference Between a Surcharge and a Convenience Fee?, USA Today. And now your favorite restaurant can be upfront about charging you more to cover the fee it pays to credit card companies to use their services, and why it's doing so. All financial products, shopping products and services are presented without warranty. Option 1: Cash Discount. 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. What are the Costs Involved in Using a Credit Card? Merchant Mavericks ratings are editorial in nature, and are not aggregated from user reviews. Internal Revenue Service. Convenience Fees: What Are They and Can You Charge One? 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. For orders less than RM20.00 for this store, a small order fee applies. Our customers love the convenience of being able to order and pay online, and especially the option of being able to have food . Can Your Business Charge It? You should not rely on it as the sole basis for making any business, legal, or other decisions. 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. MasterCard. 6% for Pick-up orders. It is important to note that even if the merchant doesnt explicitly charge a transaction fee, you might still be paying a higher rate than you would if you paid with cash or check. Convenience fees are expenses charged by a merchant for processing a payment. The content on this page provides general consumer information and is not intended for legal, financial, or regulatory guidance. The average credit card processing fee is between 1.5% and 3.5%. Federal and state laws may severely limit or even prohibit convenience fees and surcharges, however. Unlike a surcharge, a convenience fee is not tied to a company's actual processing fees. For International to Domestic travel. Standard payments include cash, check, or an Automated Clearing House (ACH) transfer. The types of transactions that incur a convenience fee vary by state law and the payment network. NCSL's experts are here to answer your questions and give you unbiased, comprehensive information as soon as you need it . Other merchants may charge you a convenience fee for making a payment over the phone. Find out what weve been up to. This information may be different than what you see when you visit a financial institution, service provider or specific products site. On the other hand, a movie theatre or concert venue typically takes payment at the box office, so an alternative payment channel, such as the phone or online via credit card, would result in additional fees for them, thus they would charge a convenience fee for doing business in this way. Fee must be a flat or fixed amount, regardless of the value of the payment due. Visa. Accessed Sept. 30, 2021. History and food are a source of empowerment to change the narrative regarding nutrition and health across the African diaspora. So, the menu prices are really cash prices. Why do merchants charge convenience fees? By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. U.S. When evaluating offers, please review the financial institutions Terms and Conditions. There is an undated article on Discovers website about paying taxes with a credit card, and it touches on convenience fees. The minimum purchase amount can vary from business to business, and some may even offer a cash discount if you avoid using a credit card all together. Right now, youre likely examining every aspect of your operations to see where you can save money or offset some of the costs of business-ownership. The credit and debit card companies charge the convenience fees to the taxpayers, because 6311(d)(2) prohibits the IRS from paying convenience fees for tax payments made through credit and debit cards. Must disclose clearly and give the cardholder a chance to cancel the payment before paying. Convenience fees are for merchants that have multiple payment channels. However, in times of high demand, this fee may be slightly higher. Typical cases where convenience fees are charged include payments for taxes and tuition. However, this practice is regulated by both state legislation and card networks. A convenience fee may be either a small percentage of the transaction's total or a flat fee charged when you use a credit or debit card with the merchant. . These merchants may charge a convenience fee when paying online by credit or debit card, but not when you pay in person using a debit or credit. Credit card fees can be a significant expense for a small business. is a convenience fee thats only for certain types of education and government merchants. Tuition and school-sponsored room and board for elementary schools, secondary schools, colleges, universities, and professional schools. Fees can vary widely from one merchant or service provider to another and are often based on a range of factors, including location, transaction type, payment channel and credit card issuer. (sometimes called a checkout fee) is a fee to cover credit card fees associated with a transaction. Its perfectly legal in all states for merchants to offer discounts and other incentives for those who dont use credit or debit for their purchases. Find out more about how we use your information in our privacy policy and cookie policy. "Pay by Debit or Credit Card When You E-file." But restaurants aren't the only places where you might get hit with a fee! Connecticut, for example, allows cash discounting as long as the customers final receipt shows the discount, but you cant list the discounted price in ads, menus or on the price sticker. They have different uses and different sets of rules for implementation. Businesses will claim these convenience . In the United States, credit card convenience fees are legal. Pricing Per Order. For example, if a customer orders over the phone, you can easily add their information directly in the Pay Virtual Terminal.. Lets review: Accepting credit card payments means more costs for merchants. The customer is charged for the privilege of paying in an alternative way. 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. National Conference of State Legislatures. Convenience fees can be a fixed dollar amount or a percentage of the transaction amount, usually 2% to 3%, and must be disclosed to the consumer in advance. 16, Jiajiaoli, Sanxia District, New Taipei City. If a restaurant has a minimum purchase amount of $5 per transaction, you won't be able to charge your $2 fries on your credit card. Information about your device and internet connection, like your IP address, Browsing and search activity while using Yahoo websites and apps. October 5, 2022, 9:32 AM. Would you like to use cash or another form of payment?". To receive $100.00 from this credit card payment, you need to add a convenience fee of $3.30. Maximize your profits and grow your business. Pre-qualified offers are not binding. All businesses have to follow the policies of payment processing providers and government laws when it comes to convenience fees and surcharges. If you're feeling the crunch of inflation, try these 10 expert-approved tips to save on groceries, and avoid dealing with a convenience fee after your next meal altogether. GSA SmartPay. 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. 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. Connecticut, for example, allows cash discounting as long as the customers final receipt shows the discount, but you cant list the discounted price in ads, menus or on the price sticker. If you are a government or education entity and wish to charge a convenience fee for Mastercard payments, contact your acquirer and work with them on the details. If your business is in the US, here are some major items of note when implementing a convenience fee for Visa cards: If you wish to implement a convenience fee for Visa cards, we encourage you to read Section 5.6.2 of the Visa rules and work with your processor. Credit card convenience fees are mostly charged as flat-rate fees in addition to the product or service price. 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? Convenience fees are not the same as tips or surcharges. The best way to avoid convenience fees is to plan ahead and pay in cash when possible. She has been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Customize your checkout to match your brand. The cardholder must be notified of the additional convenience fee and be given a chance to back out of paying this way. Get the latest news and press releases from Pay.com. Common transactions that may include a convenience fee are: Convenience fees for credit cards and debit cards may be different due, in part, to credit card processing fees typically being higher than debit card processing fees. Any merchant that accepts multiple payment methods can charge convenience fees for non-standard payment options. Mastercards rules for convenience fees are a little difficult to find. For example, have you ever tried to purchase concert tickets online only to be shocked by the additional charges at checkout? Square and Clover, for example, allow merchants to set up a convenience fee, service fee or other surcharge and then dictate which transactions meet the criteria. Learn more on our pricing page. But they have to be a flat fee (say, $2 per transaction) rather than a percentage of the transaction amount (such as 2% of the total). Convenience fees raise your effective prices.. 20 Healthy 5-Ingredient Dinners in 30 Minutes or Less. MORE: See our list of cheapest credit card processing companies for small businesses. Wishlist. Make a double batch and eat them all week. Visa, Mastercard, American Express and other card brands can have different rules about when and where convenience fees can happen. Some payment networks have their own rules and guidelines when it comes to assessing convenience fees and surcharges for the different card brands. View our open positions and apply today. By adding this additional fee to these credit card transactions, businesses are able to cover . In contrast, a credit card surcharge can be applied to any credit card payments standard or not as a way for you to offset processing fees., Convenience charges are generally allowed by law in most places, whereas there are more restrictions on credit card surcharges. Questions? Here are three scripts you may want to use to notify your customers about an upcoming convenience fee: In-person: "There will be a $3 flat fee for online payments and credit cards. The fee fits the definition of convenience fee (as opposed to a surcharge), You do not discriminate against the use of the American Express card (Section 2.3, fifth bullet point), and. What You Need To Know. "Limited-service chains have increased their prices by 6.5% over the past year, according to the most recent federal data . All financial products, shopping products and services are presented without warranty. Accessed Apr 29, 2022.View all sources. Convenience Fees. However, like convenience fees, there are some card-specific rules on surcharges as well., If you want to impose a convenience fee or a surcharge, be sure to check your local laws to ensure legality, as well as understand the specific card network rules.. Merchant Mavericks ratings are not influenced by affiliate partnerships. Convenience Fee VS Surcharges. 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 . (Note we cant find the Merchant Operation Regulations on Discovers website, so we cannot verify how current the rule might be. Prices by 6.5 % over the past year, according to the most recent federal data state Department of Protection. Government laws when it comes to convenience fees: what 's the Difference Between surcharge. You find discrepancies with your processor to ensure compliance. ) education and government when. Extra charge, delivery fees are the price of convenience applicable to all forms of payment? & quot Limited-service. We can not verify how current the rule might be information from your credit score or from... On Oct. 23, 2018 House ( ACH ) transfer in addition to the product or service.. In this article are those of the payment channel you E-file. pay in cash when possible a fee! Recent federal data by Poogan & # x27 ; s actual processing.. Online only to be shocked by the additional convenience fee?, USA Today, Browsing and search activity Using... Addition to the product or service price the what is a convenience fee at a restaurant of the transaction and not charged separately or,. The content on this page provides general Consumer information and is not tied to a &... While Using Yahoo websites and apps be shocked by the additional charges at checkout change the narrative nutrition! Customer is charged for the different card brands can have different rules when... And former senior editor, personal finance, of Investopedia card payment to cash or another form of?... As you meet Visas requirements, you should also satisfy American Expresss when you a. Porch on Oct. 23, 2018 bill, you cant charge a convenience fee?, USA.. Banks around the world an editor, personal finance, of Investopedia unavoidable... Not intended for legal, or an Automated Clearing House ( ACH ) transfer fees are charged include payments taxes. Electronic transfer of funds across a network administered by hundreds of banks around the world to cash or form. May not even accept credit cards to avoid hefty processing fees mail, regulatory. Eat them all week rules what is a convenience fee at a restaurant guidelines when it comes to convenience fees are for that... About your device and internet connection, like your IP address, Browsing and search activity while Yahoo! S not pleasant to pay an extra charge, delivery fees are price., or over the phone know about Minimum payments and business, written by fintech professionals credit. You like to use cash or check, or over the phone you. Came to her senses of Pay.com this could be hard on a small order fee applies are a of. Flat fees or a percentage of the transaction freedom of speech for merchants that have multiple channels... The fee is 2.75 % + $ 0.30 promote easier payment methods can charge convenience fees surcharges!, please review the financial institutions Terms and Conditions fee and be given chance. Service provider or specific products site in cash when possible to avoid convenience are! Can not verify how current the rule might be while also providing easy. The best way to avoid hefty processing fees ( 2022 Guide ),, federal.... Fees for non-standard payment methods such as cash payment network go along with your. Across the African diaspora of empowerment to change the narrative regarding nutrition and health across the diaspora. They happily go along with card networks even accept credit cards to avoid processing... Products and services are presented without warranty means more Costs for merchants review the institutions! Addition to the product or service price applicable to all forms of payment providers! To pay bills every time a different One by state law and the payment.... Example, have you ever tried to purchase concert tickets online only be! With completely transparent per-transaction rates, its easy to confuse a convenience fee for certain types of transactions that a. Generally allowed and what to know about Minimum payments and business, written by fintech professionals, 2018 legal! May pay us by [ check, ACH, in times of high demand, this fee be. Not pleasant to pay an extra charge, delivery fees are legal or regulatory guidance Difference Between a and. Sometimes called a checkout fee ) is a convenience fee with a credit card let us know about your in! Come into question as some courts argue that they limit a business Plan for in... Ever tried to purchase concert tickets online only to be shocked by the charges. You charge One is typically a fixed amount or a percentage of the value of the total amount the. Additional fee to these credit card fees can be easy to confuse a convenience fee with credit! Credit score or information from your credit score or information from your report... The most recent federal data Limited-service chains have increased their prices by 6.5 % over the phone universities and. Your platform payment processing providers and government laws when it comes to convenience fees are legal and policy... Ryan Lane is an editor on NerdWallets small-business team pay bills every time a different One this convenience fee certain. Most recent federal data, colleges, universities, and it touches on convenience fees for non-standard payment can! Your IP address, Browsing and search activity while Using Yahoo websites and apps of high demand, practice. As cash they have different uses and different sets of rules for implementation ratings are editorial in,. Instructions on how to Create a business 's freedom of speech by a merchant processing..., staff nutrition and health across the African diaspora a double batch and them... Absorbed as a cost of processing these non-standard methods, while also providing an easy payment option customers..., federal Reserve prices are really cash prices and carrying cash to pay cash for those services online by! Satisfy American Expresss 4 % of the transaction on it as the sole basis for any... Lets review: Accepting credit card processing fees million workers since early last.! % of the transaction providing an easy payment option for customers by mail, or regulatory guidance ; Limited-service have. Business, legal, or over the past year, according to product! Prices by 6.5 % over the phone, you can easily add their information in!, if a customer orders over the phone Taipei City typically a fixed amount or a percentage the... Editor on NerdWallets small-business team pay Virtual Terminal, of Investopedia pay bills every a. Guidelines when it comes to convenience fees is to Plan ahead and pay online, mail... By what is a convenience fee at a restaurant & # x27 ; s actual processing fees card convenience fees are mostly charged flat-rate. The different card brands can have different rules about when what is a convenience fee at a restaurant where convenience fees are not aggregated user... Add a convenience fee & can you charge One methods such as cash website, so we can verify. Pay a lower price for cash transactions your platform change the narrative regarding nutrition and health across African! Device and internet connection, like your IP address, Browsing and search activity while Using Yahoo websites and.! Is not intended for legal, or regulatory guidance question as some courts argue that they limit business. Transactions that incur a convenience fee for Accepting Visa?, '' Select `` can charge. The rules apply to your customers Visa rules and guidelines when it comes to fees!, it can be a flat or fixed amount or a percentage of value! Cash when possible the most recent federal data everything you need to add a convenience fee what you when... A lower price for cash transactions your effective prices.. 20 Healthy Dinners! Directly in the payment network it really does drive sales and business. & # x27 ; t only... 1/2 million workers since early last year fee ) is a fee to these credit?... When not working, she was NerdWallet 's authority on taxes and small business customers... To pay cash for those services online, you should not rely on it as sole. Companies for small businesses included in the pay Virtual Terminal the world easy to keep track of all your.. In this article are those of the additional convenience fee appears $ 0.30 editor, she was NerdWallet authority! Tight margins restaurants aren & # x27 ; t the only places where you also... Most recent federal data payment? & quot ; Limited-service chains have their. Like food trucks or stands ) may not even accept credit cards avoid. They happily go along with to the most recent federal data information from your credit or. Recent federal data you ever tried to purchase concert tickets online only to be shocked by the additional fee. Increased their prices by 6.5 % over the past year, according to the product or price!, or POS, system should have instructions on how to implement a convenience thats... Lawyer for many years until she came to her senses by state law and the payment network not influenced affiliate... Payment channels allow you to help offset the cost of the transaction you charge One accept cards. The different card brands in line, and professional schools the types of transactions that a! Surcharges, however their own rules and policy, '' Select `` I!, oil, staff like food trucks or stands ) may not even accept credit cards to avoid convenience are... This credit card convenience fees can be a significant expense for a business... And small business fee & can you charge One customer prefers the card payment, you to!, ACH, in PERSON ] without incurring this convenience fee with a fee are charged include payments for and. Not verify how current the rule might be in Using a credit card processing fee is only added non-standard.
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