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This reviews the most commonly asked questions about the ability to pass on credit card fees to your clients. If you are looking for a how-to guide, check out this article!

Part of the fee goes directly to pay our payment processors. The remainder goes to Spectora as revenue.

While bank transfers are free for your client, there is a cost to process these transactions through our payment processor.

Part of the fee goes directly to pay our payment processor and the remainder goes to Spectora as revenue.

Absolutely not!

To disable bank transfers, uncheck the "Enable ACH Payments" box right below the "Pass credit card fees to clients" option.

Once this is disabled, please ensure that you've set your "Supported 'fee-free' Payment Methods" text. By law, you must have a no-fee payment method when passing on credit card fees (see below for more details).

To set this text, enter the text you'd like to see in the "Supported 'free-free payment methods":

If you enter nothing, it will default to "Pay via cash or check at the time of inspection."

Here's an example of what your client will see when bank transfers are disabled and a fee-free payment method is set:

Legally, to pass on credit card fees, clients must be offered an alternative that doesn't add additional costs to their total, such as cash, check, or bank transfer.

The no-fee alternative for companies based in the United States is either bank transfer (ACH) or any payment method you accept outside of Spectora (cash, check, etc.). Please note that for bank transfers, there is a fee to you, but not to your clients: learn more about bank transfers + Spectora.

For Canadian companies, the fee-free alternative is any no-fee payment method you accept outside of Spectora (cash, check, etc.).

By law, we can't use the phrases like "processing fee," "credit card fee," or "payment fee". From our research, “Technology Fee” is the most commonly used term that stays within the bounds of federal, state, and local laws.

We realize that this term can trigger questions from customers. We are actively evaluating how we can provide other terms that may fit better with your business and still stay compliant with applicable laws.

When issuing a full refund, your client will receive the full amount of the technology fee as part of their refund.

When issuing a partial refund, your client will receive a percentage proportional to the original technology fee.

Questions? Write into our chat bubble and our Client Success Team will be here to help!