Charge percent 'set up' fee for cetain payment gateways

[Real Webspace]

Yes its what you're thinking, this would in effect 'counter-act' the processing fee associated with certain payment methods.

 

Has any one got any ideas on how to implement this? I would be willing to pay to have a module made if that's what it took.

[merlinpa1969]

the only issue is that you cant charge more of a "Setup fee" For credit card customers than you do for any other payment type.

 

the only way around this is to offer a discount for all other payment methods.

[Real Webspace]

This is true. Any sort of module or addon that will add a percentage to the order depending on the payment option selected?

[panacheweb]

I think the paypal does not allow you to charge a recovery fee for their fees...

[HostOrca]

I think the paypal does not allow you to charge a recovery fee for their fees...

 

Correct. You risk losing your paypal account if you do.

 

Instead of charging extra, sort your business plan/prices out.

[easyhosting]

Correct. You risk losing your paypal account if you do.

 

Instead of charging extra, sort your business plan/prices out.

 

Paypal are a law onto themselves, legally they cannot stop anyone adding a processing fee.

 

next time you go on the highstreet take a close look at the main stores (currys, boots etc) in their windows the will have a notice informing customers what cards they accept and within this it will state something like "a credit card processing fee of 2.5% is included in the price of goods paid by credit card"

[m00]

Instead of charging extra, sort your business plan/prices out.

There are enough hosting companies in the budget segment who are doing everything to keep their pricing low. It's not a point of sorting our your business plan. Many payment providers charge an extra fee (like paypal and other credit card processors, but also iDeal here in the Netherlands), each with their own fee schedule.

 

Short conclusion: Why isn't this feature integrated yet?

[merlinpa1969]

First of all paypal can in fact STOP you from charging a surcharge.... its in their TOS and YES they can close your account and freeze assetts in their holdings pending a full investigation

 

as for the other major cc companies its against their TOS to charge a surcharge for using their cards...

 

While there are different laws in different places it is infact enforcable in the US

and unless there are going to be 2 separate distros then this really cant be a core feature...

 

WHMCS would be enabling this practice in the US

[HostOrca]

Paypal are a law onto themselves, legally they cannot stop anyone adding a processing fee.

 

next time you go on the highstreet take a close look at the main stores (currys, boots etc) in their windows the will have a notice informing customers what cards they accept and within this it will state something like "a credit card processing fee of 2.5% is included in the price of goods paid by credit card"

 

Yep in the place I worked we had the same notice. The customer though would pay the same amount regardless of what payment method he used. ( if he bought something for £100, and paid by cash he'd pay £100, if he paid by card he'd pay £100)

[easyhosting]

Yep in the place I worked we had the same notice. The customer though would pay the same amount regardless of what payment method he used. ( if he bought something for £100, and paid by cash he'd pay £100, if he paid by card he'd pay £100)

 

Yes the surchage is added to the price and under UK financial laws you MUST inform customers if a surchage is being charged, so in effect anyone paying cash is also charged this surcharge.

 

Some smaller retails dont use this method and will charge a surcharge if you use a card under a fixed amount.

 

They can do this as long as they inform customers of this.

 

And yes as merlinpa1969 states

 

First of all paypal can in fact STOP you from charging a surcharge.... its in their TOS and YES they can close your account and freeze assetts in their holdings pending a full investigation

 

anyone can right anything they like in the TOS, but does not say it is legal.

[Damo]

First of all paypal can in fact STOP you from charging a surcharge.... its in their TOS and YES they can close your account and freeze assetts in their holdings pending a full investigation

 

as for the other major cc companies its against their TOS to charge a surcharge for using their cards...

 

While there are different laws in different places it is infact enforcable in the US

and unless there are going to be 2 separate distros then this really cant be a core feature...

 

WHMCS would be enabling this practice in the US

 

There are other places in the world than the US. And the OP asked for custom code/module for this feature, not requesting that it be a core feature. Even if it were to be a core feature, you could opt not to use it. It's up to the law enforcers of your own territory to police business practice. Using your argument the tax setup in WHMCS at present shouldn't be a core feature either as it can be configured to not charge tax to anyone - even though that's illegal in the US. As with any business tool/system it must be configured/setup to be appropriate for it's audience.

 

All credit card payments in Australia can apply a surcharge - at the discretion of the merchant, but not exceeding the fee charged by the processor. It's very common to have a surcharge applied for American Express and Diners Club cards whilst Mastercard and Visa fees are built into the merchants margins.

 

This has been discussed in these forums before. There was some interest but I suspect not enough to make it to the attention of Matt.

[merlinpa1969]

My reply about not including it in core code was in response to m00s comment

 

Short conclusion: Why isn't this feature integrated yet?

 

 

Yes I know it allowed some places, and its NOT allowed in some places,

 

I personally Dont care if people charge a fee for using a CC, I just wouldnt shop there....

[merlinpa1969]

anyone can right anything they like in the TOS, but does not say it is legal.

But the funny thing is that it is enforceable.

[bear]

Paypal are a law onto themselves, legally they cannot stop anyone adding a processing fee.

Yes, they can. When you agree to their terms in setting up an account, you are agreeing to a legally biding condition for using it. Break that agreement, they are within their rights to close your account and refuse you service.

 

as for the other major cc companies its against their TOS to charge a surcharge for using their cards...

Also true. The agreements you have with various CC companies forbid "punishing" the customer for accepting payments with their card(s). If your price is so low that this fee affects your bottom line, imagine what being unable to accept a CC payment would do to it, and adjust your pricing accordingly instead of adding surcharges.

 

I can't speak for the UK or other parts of the world, but in all agreements I have with payment services and CC companies, I'm not allowed to overtly add any surcharges for using that payment method. If added to WHMCS, it would potentially be breaking some merchant agreements and would require a way to disable it, as well as warnings like CC storage have.

 

Better that you offer a discount for your preferred payment method or something, rather than adding in fees for those others. This would be within the agreements, and keep you out of trouble with the processor(s).

[uhhosting]

They don't forbid surcharging, their terms state the following:

 

4.5 Non discouragement. In representations to your customers or in public communications, you agree not to mischaracterise or disparage PayPal as a payment method. You agree that you will only surcharge for the use of PayPal in compliance with any law applicable to you. You further agree that if you do charge a buyer any form of surcharge that you, and not PayPal, will inform the buyer of the requested charge. PayPal has no liability to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that if you are permitted to surcharge and your further fail to disclose any form of surcharge to a buyer this may constitute a criminal offence by you.

 

They have additional terms pertaining to specific card payments via Visa and MasterCard, but for PayPal to PayPal transactions, there is nothing forbidding it. Although they will claim differently.