## Overview

ChargeOver allows you to set up processing fees to charge for payments depending on payment method. You can set up processing fees in a few different ways. For example, you can set a fee for one type of payment method and charge a 3% service fee for all credit card transactions.

:::info

Visa mandates no more than a 3% processing fee.

:::

## Enable processing fees

Watch the video: [YouTube video player](https://www.youtube.com/watch?v=hAAY5PCs17Q)

### Steps to enable processing fees

1. Go to your settings and select ==Features==, then ==More Features== from the left side menu
2. You can search for **"Processing Fees"** and click ==Get Started==
3. Enable the **"Calculate and add processing fees at the time of payment?"** option
4. Click ==Save==

![](./processing-fees/procfees.png)

### Steps to configure a processing fee

1. Select a payment method to configure (Credit Card Payments, ACH/eCheck Payments, or Tokenized Payments)
2. Select whether to do nothing, charge a fee, or apply a discount
    - Optional: Add specific states or provinces to exempt from this fee or discount
3. Specify either a flat dollar amount or a percentage
4. Click ==Save==

![](./processing-fees/credit-card-procfees.png)

Once you have configured your processing fee, it will automatically be applied to your invoices when a customer makes a payment.

:::info

Only U.S. and Canadian states or provinces are available for processing fee exemption.

:::

### Multiple processing fees

For invoices that require more than one payment, you can choose whether you want to charge a processing fee for _every_ 
payment made against the invoice, or just the first payment. 

![](./processing-fees/multiple-processing-fees.png)

## Keep in mind

- ChargeOver supports processing fees for Credit Cards, ACH payments and Tokenized payments
- Some states or provinces have very specific regulations and laws pertaining how a processing fee can be charge
- Make sure to review any state regulation or laws before charging a processing fee
- If your customer is manually entering their payment, they will be alerted of the fee when they're checking out
- If you are manually entering the payment in ChargeOver, you will be alerted of the fee

## Exempt a specific customer from processing fees

1. Go to the customer and select the Edit tab
2. Select the blue link **more advanced options**

![](advopfees.png)

3. Select the checkbox **'Customer is exempt from processing fees'**

![](expfees.png)

4. ==Save== your changes

## Exempt a specific invoice from processing fees

1. Go to create a new one-time invoice or edit an existing invoice
2. Select the blue link, **more advanced options**

![](./more-advanced-options-invoice.png)

3. Change **"Invoice is exempt from processing fees"** to **'Yes'**

![|450](./invoice-procfee-exempt.png)

4. ==Save== your changes

## Exempt invoices of a specific product

You can create products that automatically set invoices as exempt from processing fees. When an invoice is created and contains a product that marks invoices as exempt, the _entire invoice_ is marked exempt  from processing fees. 

:::note 

Note that the _entire invoice_ is marked exempt from processing fees, not just the exempt product line, but the entire invoice when the invoice, contains a product that marks invoices as exempt. 

::: 

1. Go to an existing product or edit an existing product
2. Select **'More options'**

![|600](./product-more-options.png)

3. Change **'Marks invoice as exempt from processing fees'** to **'Yes'**

![|550](./processing-fees-exempt-product.png)

4. ==Save== your changes