Who bears the fee.
WHAT THE OPTIONS ARE
Absorb the fee into your price Add it as a separate charge Offer a discount for cheaper methods
WHAT ABSORBING PROVIDES
Simplicity, and a price customers accept.
WHAT IT COSTS
Margin, proportional to the method mix.
WHAT ADDING A SURCHARGE RISKS
Abandonment, resentment, and in some contexts regulatory restriction.
WHAT TO VERIFY
Whether surcharging is permitted for your methods.
WHAT A DISCOUNT FOR CHEAPER METHODS ACHIEVES
Steering customers without penalising anyone.
WHY THAT IS FREQUENTLY BETTER RECEIVED
It reads as a benefit rather than a charge.
WHAT TO CALCULATE
Effective cost across your actual method mix.
WHY ACROSS THE MIX
A single method's rate says nothing about your real cost.
WHAT TO INCLUDE IN THAT CALCULATION
Fees Failed transaction cost Refund fees not returned Chargeback costs Settlement delay, as a cash cost
WHAT TO BUILD INTO PRICING
That total, not the headline rate.
WHAT TO REVIEW
Whether the mix has shifted, changing your effective cost.
WHAT TO NEGOTIATE ONCE VOLUME JUSTIFIES IT
Rate, settlement timing, and reserve.
