---
title: "Set up Fees for Electronic Payments"
slug: "feesforelectronic-payments"
updated: 2026-03-18T18:46:29Z
published: 2026-03-18T18:46:29Z
canonical: "help.cenpoint.com/feesforelectronic-payments"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.cenpoint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Set up Fees for Electronic Payments

Overview

CenPoint has integrated with Credit Card Merchants to allow direct payment processing including ACH in CenPoint. To use these features, you **must** be set up with a Credit Card Merchant.

Integrated Credit Card Merchants (Fees subject to change)

|  | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-TETISZU5.png) (Preferred) [**Set Up Clover**](https://help.cenpoint.com/docs/set-up-electronic-payments) | **[![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/64-641083_social-network-gab-a-haven-for-toxic-alt(1).png)](https://help.cenpoint.com/docs/en/set-up-electronic-payments-1)** [**Set Up Stripe**](https://help.cenpoint.com/docs/en/set-up-electronic-payments-1) |
| --- | --- | --- |
| No Set Up Fees | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-1684777610583(6).png) | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-1684777610583(2).png) |
| No Monthly Fees | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/R.png) | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-1684777610583(3).png) |
| No Monthly Minimum | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-1684777610583(1).png) | ![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-1684777610583(4).png) |
| CC Fee | US Customers: 2.8% + $0.10/transaction fee (for all card types) Canadian Customers: 2.9% + $0.20/transaction fee (for all card types) | 2.99% + $0.30/transaction fee (for all card types) |
| ACH Fee | 0.39% + $0.10/transaction | 1.6% (up to a max of $10.00) |

Now that you have created and authorized a Merchant account,

you can set up the parameters for your Electronic Payments in CenPoint.

![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-SWI92EG3.png)

1**.** Check 'Accept' Credit Card Payments

2. Select the maximum credit card payment you will accept. (0=no max)

3.Check 'Add Fee' if you are charging the customer a fee to pay by Credit Card

4. Add a description for the fee, this will print on the invoice.

5. Choose the percentage, and a transaction fee, that will be charged to the customer when paying by Credit Card.

6. Choose Retain Original Invoice amount or Simple

*Retain Original Invoice amount*: Your invoice is for $200 you charge a 3% transaction fee to the customer; the invoice total is now $206.19, $200 will be deposited into your account.

CC % Fee:3%

Inv = 200.00

Fee = (Inv Amt / ((100 - Fee %) / 100)) - Inv Amt

i.e. Fee = (200 / ((100 - 3) / 100)) - 200 => [(200 / (97/100)) - 200] = 6.19

Tot = 206.19

CC Comp takes 3%

CC Fee: 206.19 * .03 = 6.19

You Get: 206.19-6.19 = 200.00

*Simple:* Your invoice is for $200.00 there is a 3% transaction fee, $199.82.00 will be deposited into your account.

Simple % Fee:3%

Inv = 200.00

Fee = 200 * (3/100) = 6.00

Tot = 206.00

CC Comp takes 3%

CC Fee: 206.00 * .03 = 6.18

You Get: 206-6.18 = 199.82

If your invoice is taxable, it will be figured using either Retain Invoice or Simple (whatever you choose) then the tax is figured in.

Invoice = 200

Fee = 3%

Fee Amount = 200 * .03 = 6.00

If Taxable (6.625%)

Tax = 6.00 * .06625 = 0.40 (.03975)

Fee Amount = 6 + .40 = 6.40

New Invoice Total = 200 + 6.40 = $206.40

7. Assign a GL code to a Credit Card payment if applicable

8. Add a minimum charge amount that a fee will not be added. (You will be covering this amount)

9**.** Check 'Accept ACH/Bank Payment if applicable.

1. Add a Pay Now option to invoices. This will show up as a link on the invoice that the customer can click on to make a payment.
2. Add a description for your Pay Link. In the above example the link would look like this:

![](https://cdn.document360.io/e2120353-eb2a-47e7-80e2-597dd258dbbe/Images/Documentation/image-S94O6NGR.png)
3. Choose who the Electronic Payment alerts will be sent to