Fee types

A fee can be added to a transaction as long as the fee is fully disclosed to the customer and is in compliance with card network and federal and state consumer protection law and regulation.

If Moov determines a merchant has implemented fees without proper disclosure and against regulations, Moov will immediately suspend the business account and the ability to conduct transactions.

Service fee

A service fee can be applied when costs extend beyond the product's base price, such as added labor or administrative handling. A service fee cannot be added solely to cover the costs of card acceptance.

Add a service fee via line items when creating a transfer or payment link. The fee must be fully disclosed to the customer through the line item and must be in compliance with card network and federal and state consumer protection law and regulation.

In the example below, the second line item is an administrative service fee added to the water heater and installation service.

{
  "lineItems": {
    "item": {
      "basePrice": {
        "currency": "USD",
        "valueDecimal": "5000.00"
      },
      "name": "Water heater and installation",
      "productID": "5afv22245-7095-24ba-b21a-5c4dc993737",
      "quantity": 1
    },
    "item": {
      "basePrice": {
        "currency": "USD",
        "valueDecimal": "100.00"
      },
      "name": "Administrative service fee",
      "productID": "4afv22245-7095-24ba-b21a-5c4dc993739",
      "quantity": 1
    },
  }
}

Convenience fee

A convenience fee can only be charged to alternative, non-standard channels outside of the merchant's customary payment channel. A convenience fee cannot be added solely to cover the costs of card acceptance.

A convenience fee must be a flat or fixed amount, regardless of the value of the product or transaction, and must apply equally to all payment methods in that channel.

Add a convenience fee via line items when creating a transfer or payment link. The fee must be fully disclosed to the customer through the line item and must be in compliance with card network and federal and state consumer protection law and regulation.

In the example below, the travel package line item has an option to pay via phone as a convenience fee price modifier.

{
  "lineItems": {
    "item": {
      "basePrice": {
        "currency": "USD",
        "valueDecimal": "1500.00"
      },
      "options": [
        {
          "name": "Phone payment convenience fee",
          "priceModifier": {
            "currency": "USD",
            "valueDecimal": "2.00"
          }
        }
      ],
      "name": "Travel package 1",
      "productID": "5afv22245-7095-24ba-b21a-5c4dc993737",
      "quantity": 1
    }
  }
}

Surcharge fee

A surcharge fee can only be applied to credit card transactions. Any business that intends to add a surcharge fee to credit card transactions must notify Moov 30 days before implementing surcharges.

See our full surcharge guide for detailed information on implementation and compliance.

Card brands update rates twice a year, in April and October. Merchants are responsible for understanding card brand caps and updates.