Understanding Payment Processing Fees

Every payment processor charges fees to facilitate transactions. This article explains how processing fees work with CivicPlus Payments, when they’re deducted, and how to review them. If you’re using an external processor, fee calculations may vary. Please reach out to your processor for more information.

How Fees Work with CivicPlus Payments

When you process a payment, fees are applied based on the type of transaction. These may include:

• A percentage of the transaction amount (such as 3.00%)

• A flat per-transaction fee (such as $0.30)

• Fees for ACH versus card payments will vary

You may also see fees, such as refunds, chargeback fees, or ACH returns; however, these would only apply per occurrence. Please refer to your contract for more information on the specific payment processing fees charged for your organization.

When are Fees Deducted?

With CivicPlus Payments, fees are deducted in the following manner:

• Net Deposits:

  • Generally deducted daily at the time of deposit

  • Reflected in your net deposit amount

  • Example: If you process $1,000 and your fees are $37.50, your bank deposit will show $962.50.

• Gross Deposits:

  • Generally deducted once a month from your bank account

  • Example: If you process $1,000 and your fees are $37.50, your bank deposit will show $1,000, and $37.50 will be deducted from your bank account at the beginning of next month.

• Clearly itemized in your Deposit and Payments reports

View Fees

To see detailed fees:

1. Log in to the Payments Portal

2. Navigate to the Gateway Configurations tab
   

3. Locate the Gateway Configuration you wish to view reports for and click the Actions menu (three vertical dots icon), and then Reports
   

4. Select the Deposits tab
   

5. Click on a specific deposit
   

6. You will be able to view and export this data as needed

   1. Gross Deposits Example:
      

   2. Net Deposits Example:
      

Additional Resources

• Fees and Pricing