Surcharge online payments

You can choose to pass on the fees associated with online payments to your customers. This adds a surcharge to the customer's invoice to cover the fees (1.8% of the invoice value fee + $0.25c transaction fee).

You can't surcharge BPAY payments. So if a customer pays with BPAY, you'll be paying the fees for that payment. But you can avoid this by disabling BPAY as a payment option for one or all invoices.

When you first set up online payments, surcharging is automatically enabled and BPAY payments are automatically disabled – but you can change these settings at any time.

How does surcharging work?

When surcharging is enabled:

• it will apply to all customers who make payments by clicking Pay securely in their online invoices (excluding BPAY payments).

• the transaction fee (1.8% of the invoice value + 25c) will be surcharged to your customers (unless they pay via BPAY)

• when the customer clicks Pay securely on their online invoice, they'll see the breakdown of the invoice amount + surcharge = total amount.

• when the customer completes their payment, the surcharge is deducted from their payment before the balance is deposited into your bank account. Learn more about fees and charges for online payments.

GST on surcharges

If there's GST on the invoice, there will also be GST included in a customer's surcharge. If there's no GST on the invoice, there will be no GST applied to the customer's surcharge.

The app takes care of GST calculations, so you don’t have to worry about it.

Turn surcharging on or off for all new invoices

1. Tap More then tap Invoice settings.

2. Tap Payment settings then tap Payment settings.

3. Tap Online Invoice Payments.

4. Select the option Your customers pay the surcharge:

   

   Just above this option is where you can choose if you want to Accept BPAY payments. If a customer pays via BPAY, you cannot pass on the surcharge.

5. Tap Save. Now, you just need to create and send invoices like you normally would.

To turn surcharging off for all new invoices, repeat these steps and select the option Your business pays the surcharge.

Turn surcharging on or off for a single invoice

You can choose to turn surcharging on or off for individual invoices. This will only apply to that invoice and won't affect your default online payment settings.

1. Create the invoice as you normally would (go to Money in, tap + and Create invoice).

2. Under Payment options, choose if the Customer pays surcharge for this invoice.

   

   If you change this setting on an invoice you've already sent, you'll need to save your changes and resend the invoice.
   
   Just above this option is where you can choose if you want to accept BPAY payments. If a customer pays via BPAY, you cannot pass on the surcharge.

3. Complete the invoice and send it to your customer.

How the surcharging looks to your customers

The customer receives their invoice as they normally would, but they'll see a Pay securely button and a summary of the invoice:

Clicking Pay securely prompts them to choose their payment method and view their payment details:

If you've chosen to exclude BPAY as a payment option, it won't appear as a payment option.

If you've chosen to pass the surcharge onto the customer for this invoice, the surcharge will be automatically applied and appear when they enter their payment details:

Once they've entered their payment details, they click Pay Securely.

Handling the payment

When a customer makes a payment, the details will automatically be entered into your app, and the invoice will be closed off. We'll also send you an email with a detailed break down of the payments.

The payments and fees will be recorded in the categories you've specified in your online payments settings (see the steps above).

More about receiving online payments

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FAQs

Where do I find the surcharge amounts?

You can see the surcharge details at the bottom of the paid invoice.

1. Go to Money in and scroll down and tap View all invoices.

2. Open the invoice.

This example shows what it looks like if you've paid the surcharge:

This example shows the surcharge paid by the customer: