Make informed decisions with detailed reports. We will explain these rules below and show you how to properly charge a convenience fee. Some people might not mind paying a convenience fee for the benefit of using an electronic payment card, particularly if the benefit of earning rewards on the card outweighs the cost of the convenience fee. As said before, raise the fricken prices if you have to. You may also be able to avoid these fees if you find that the merchant isnt adhering to state and federal laws. The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation. Convenience fees are when you charge a fee to customers for the convenience of paying outside of your usual channel (for example, paying over the phone) no matter what payment method they use. Tina's work has appeared in a variety of local and national media outlets. Just be sure to fully understand the card network rules for implementing them and find a balance between your financial interests and customer value., Whether you add convenience fees or not, Pay.com can help you sort out all your payment methods in one user-friendly dashboard. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. INR700. You can also charge service fees, which are convenience fees just for education or government entities, and they can be either a flat fee or a percentage of the transaction, Visa doesnt permit convenience fees on recurring transactions or installment transactions, such as subscriptions or monthly fees, but Mastercard and American Express do, See our list of the years best credit card processing companies. . Surcharging is a way for businesses to have their customers that pay with credit cards cover the processing costs incurred for accepting those credit cards transactions, through an additional fee. menu or price sticker) and then add a fee during the sale if another payment type is used. Running a business, you know that every cent counts, especially in a possible economic downturn such a the one caused by the COVID-19 pandemic. This is why it may appear on your bill. A convenience fee is technically different from other charges a business owner could impose, such as a service fee or surcharge. You can learn more about the standards we follow in producing accurate, unbiased content in our. A surcharge is the ability to charge extra just for the benefit of using a credit card while a convenience fee is for a specific use, such as taxes or tuition, or payment through alternative channels, such as by phone or online. The three-judge panel affirmed a lower court finding . Cash orders have no processing fee. Merchant Class Settlement Mastercard Frequently Asked Questions Merchant Surcharge. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. However, the restaurant is charged a processing fee on the total charge paid by the customer, which includes the subtotal, tax and possible convenience fee. What Is a Convenience Fee at a Restaurant and Should You Be Paying It. Our concise reference manual includes all the info you need to work with our API. In the United States, credit card convenience fees are legal. For example, a menu cannot list the "cash price" for an item, but then charge you a fee if you pay by credit card. Hsin-Wei is a freelance writer focused on small business and technology writing. Opinions expressed here are authors alone. [3], You can see an example of credit card and debit card convenience fees if you pay your taxes online. Related: 10 "Polite" Restaurant Habits You Don't Realize Are Actually Rude. A credit card surcharge, also known as a . Find out more about how we use your information in our privacy policy and cookie policy. They might have best-practice suggestions for you to follow so you wont run into trouble with state laws. In contrast, a credit card surcharge can be applied to any credit card payments standard or not as a way for you to offset processing fees., Convenience charges are generally allowed by law in most places, whereas there are more restrictions on credit card surcharges. Some merchants consider online credit card payments to be a non-standard method of payment. Major credit card companies charge processing fees for merchants to use their services, which range from 1.25% to 3.3% of each transaction. A convenience fee is a small charge the merchant adds to a transaction when a customer chooses to pay with a credit card rather than a preferred standard method such as cash or ACH. Convenience Fees. DoorDash has raised fees for diners in nearly a dozen cities and counties in an effort to offset limits on what the company charges restaurants, frustrating consumers and angering officials. Will customers pay extra just to have a non-standard way to pay for goods and services? The article suggests that you can pay your taxes with a Discover card but you typically will have to pay a convenience fee in a percentage form or a flat rate form. Convenience fees raise your effective prices.. Learn more. A convenience fee is a fee charged by a seller when a consumer pays with an electronic payment card rather than by a standard form of payment accepted by the business. Convenience fees are for merchants that have multiple payment channels. If your business is solely online, adding a convenience fee wont work., However, if you operate a brick-and-mortar store and are willing to accept alternative payment methods, such as over the phone, they can be a great thing. "To offset rising costs, we have temporarily added a 3 percent inflation . ' [Uber Eats] is a marketing tool for us. Convenience fees are additional charges that merchants may apply whenever you use a non-standard payment method, such as using a credit or debit card in lieu of cash, check or ACH transfer. Copyright 2023 Merchant Maverick. Such signs and practices are less likely at restaurants. Connecticut, for example, allows cash discounting as long as the customers final receipt shows the discount, but you cant list the discounted price in ads, menus or on the price sticker. You can add as many service charges as you'd like, and they can be optionally added to a check. She also founded the personal financial and motivational site www.AcetheJourney.com and translated into Spanish the book, Financial Advice for Blue Collar America by Kathryn B. Hauer, CFP. Please double-check with your processor to ensure compliance.). When listed among other charges, it can be confusing to understand what exactly . Service charges, minimum charges, corkage fees, setup fees, or similar charges imposed by a restaurant, tavern, nightclub, or other like place of business are part of the sales prices subject to sales tax. A service fee is a convenience fee thats only for certain types of education and government merchants. All these fees tend to be traditionally payable by check or in person, so payment online by a credit card is very obviously an added convenience. Here is a list of our partners. Ryan is located in Rochester, New York. Below are the rules of some of the major credit card providers: Mastercard: Allows for convenience fees as long as they used for all transactions and methods of payment. That allows the customer to choose an alternative, standard payment method, cancel the transaction, or accept the convenience fee as is. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. One such way is to use a convenience fee, but this method can only be used when there is another standard way for the customer to pay. It seems that Mastercard does allow convenience fees, but only for government and education entities. Learn more on our pricing page. Accessed Sept. 30, 2021. These restaurants that charge you a 3% convenience fee is a slap in my face. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Please consider the date of publishing for Selfs original content and any affiliated content to best understand their contexts. A convenience fee is typically a percentage of the transaction amount (usually 1% to 4%), or a small flat fee, and must be disclosed to the customer. Convenience fees can be either flat fees or a percentage of the transaction. Which Business Bank Account is Right For You? Like American Express, Discover does not seem to have a rule on convenience fees. The Smart Merchants Guide To Credit Card Machines & Terminals: What Do Small Businesses Really Need? MORE: See our list of cheapest credit card processing companies for small businesses. A perfectly good rooftop bar . It is comparable to what customers pay when they book airline tickets online, with the exception that IRCTC enjoys a monopoly in the Rail industry. Her work has appeared in a variety of local and national outlets. "U.S. The average convenience fee is We'll explain exactly what it is and how you ma. For instance, a card present merchant may accept primarily cash, accepting a credit card can be . Heres what to do,. You may have noticed something called a "convenience fee" on your last restaurant bill. Our opinions are our own. NORWOOD, Mass. He joined NerdWallet in 2019 as a student loans writer, serving as an authority on that topic after spending more than a decade at student loan guarantor American Student Assistance. Creamy . In fact, it seems you cant find out the precise amount you can charge without working with your processor. Click here to get started with Pay.com now! The Credit Builder Account, secured Self Visa Credit Card, and Level Credit/Rent Track links are advertisements for Self products. "Pricing Schedule," Page 1. You may have noticed something called a "convenience fee" on your last restaurant bill. This fee is added to the amount of your transaction and is in addition to any fees that may be charged by your financial institution. The theater can then charge a convenience fee for online purchases because those who do not wish to pay the convenience fee can always buy in person at the box office. In most states, surcharges cant exceed 4% of the total cost of the transaction. She is a FINRA Series 7, 63, and 66 license holder. . If you charge a convenience fee for American Express, Discover, and Visa, then you must treat Mastercard in the same way you treat these other cards. This could be hard on a small business with already tight margins. She has been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Here is a list of our partners and here's how we make money. Square is a top choice for POS for any type of business. PayPal is an electronic commerce company that facilitates payments between parties through online funds transfers. Now, in her spare time, she plays frisbee with her Mini Australian Shepherd dog. A surcharge is not the same as a convenience fee, though they are often confused with each other. This fee is added to the total charge for the goods/service you purchased today. Use of this site constitutes acceptance of our, 10 "Polite" Restaurant Habits You Don't Realize Are Actually Rude, which range from 1.25% to 3.3% of each transaction. Credit card convenience fees are mostly charged as flat-rate fees in addition to the product or service price. A convenience fee may be either a small percentage of the transaction's total or a flat fee charged when you use a credit or debit card with the merchant. Because convenience fees are legal in most locations, you can implement them relatively easily. However, there are some specific rules set forth by the major credit card companies that limit how and when convenience fees can be applied: As these all stipulate that the fee has to be applied equally across the board, you could use Visas rules as a basis for your convenience fee charges, to ensure you were complying with the regulations. You probably got hit with a convenience fee. The average credit card processing fee is between 1.5% and 3.5%. But there may be rules to consider here, too, so you may want to check with a local attorney or accountant. The customer is charged for the privilege of paying in an alternative way. However, this does not influence our evaluations. Convenience Fees: What Are They and Can You Charge One? In most cases, your best bet would be to switch to a different form of payment, such as cash or check, if possible.[1]. To receive $100.00 from this credit card payment, you need to add a convenience fee of $3.30. Mastercard. Merchant Class Settlement Mastercard Frequently Asked Questions Merchant Surcharge. Surcharges are assessed as a percentage of the transaction amount, typically capped at 4%. They include: Finally, Mastercard recommends that the convenience fee be charged separately from the actual payment. Some payment networks have their own rules and guidelines when it comes to assessing convenience fees and surcharges for the different card brands. Sarjana Food Mart - Taman Ukay Perdana . You may have noticed something called a "convenience fee" on your last restaurant bill. The convenience fee definition goes as follows: The convenience fee is an additional value the merchant assesses the customer when s/he chooses to pay by card. Some are more thorough than others. [5],[6], Convenience fees are designed to incentivize merchants and retailers to accept credit and debit card payments by helping them recover some of the processing fees associated with credit and debit card transactions.[1]. A Comprehensive Guide to Understanding Convenience Fees, Surcharges and Services Fees. Disclaimer: Self does not provide financial advice. Information about your device and internet connection, like your IP address, Browsing and search activity while using Yahoo websites and apps. By submitting my information, I agree to Self's. Ongoing. 16, Jiajiaoli, Sanxia District, New Taipei City. . That means if youre paying $1,000 in taxes, the convenience fee for a credit card payment will be $19.60. The IRS will accept credit card payments through several different payment processing companies, and they all charge convenience fees, as allowed by the credit card companies. "Ultimate 2021 Guide: Credit Card Processing Fees Explained." There is an undated article on Discovers website about paying taxes with a credit card, and it touches on convenience fees. Disclaimer: Merchant Maverick aims to provide accurate and up-to-date information to assist you in your research. Must disclose clearly and give the cardholder a chance to cancel the payment before paying. convenience definition: 1. the state of being convenient: 2. when you want: 3. as soon as you like or can: . Ryan also previously oversaw the production of life science journals as a managing editor for publisher Cell Press. [4], It can be easy to confuse a convenience fee with a credit card surcharge. Stay up to date on Pay.coms scheduled maintenance and outages. Most are easily made in less than 30 minutes, and are a family hit for sure. So, the menu prices are really cash prices. While a convenience fee is charged for the convenience of using non-standard methods of payment, a surcharge may be imposed for every transaction made with a credit card. Accessed Apr 29, 2022.View all sources. To fully experience our website, please enable JavaScript on your web browser. Pre-qualified offers are not binding. ACH Transfers vs. Wire Transfers: What's the Difference? When a cardholder elects to make a payment by credit card to a local governmental entity and a convenience fee or surcharge is imposed, the payment of the convenience fee or surcharge shall be deemed . What is Convenience Fee? Click here to find out how you can accept credit card payments on your website., Convenience fees can be great for making up some lost business expenses, but they can also be a hassle and can turn off customers. What Is a Convenience Fee and Should You Charge One? A Comprehensive Guide to Understanding Convenience Fees, Surcharges and Services Fees, Do not sell or share my personal information. Follow these steps to add a service charge or fee: From Toast's back-end, navigate to Payments from the left-hand side of the homepage then scroll down and select Service charges under the Checks & receipt setup sub-header. They're charged to businesses like restaurants when their customers use a credit card to pay for service or product, and the restaurant passes the cost of that fee on to the consumer. In many cases, some businesses, such as gas stations, offer discounts when a consumer pays by cash. Assistant Assigning Editor | Student loans, small business. [3] You can see an example of credit card and debit card convenience fees if you pay your taxes online. Home Blog Credit Card Processing What Is A Convenience Fee & Can You Charge One To Your Customers? NerdWallet strives to keep its information accurate and up to date. Accessed Sept. 30, 2021. Generally, where a convenience fee is allowed (US, Asia Pacific), theres no strict wording requirement for the notice itself. For instance, if your merchant tries to impose a fee in states where theyre illegal, or if they try to charge a fee amount higher than that allowed by state law, you have the right to dispute the fee. You can promote easier payment methods such as cash. This field is for validation purposes and should be left unchanged. If you wish to implement such a fee, be sure to check out the service fee requirements in Rule 5.6.3 and talk to your processor. How To (Correctly) Charge Convenience Fees, How To Post Notice For Charging A Credit Card Convenience Fee. These allow you to help offset the cost of processing these non-standard methods, while also providing an easy payment option for customers. 60 mins 19.7 km. While we make every effort to ensure that facts stated are correct at the time of publication, we do not accept any responsibility for keeping this information up to date. What You Need To Know. The exact amount depends on the company, what credit card you're using and the merchant services provider used. But they have to be a flat fee (say, $2 per transaction) rather than a percentage of the transaction amount (such as 2% of the total). This information may be different than what you see when you visit a financial institution, service provider or specific products site. (Doing so would amount to adding a fee for non-cash payers at checkout. We believe everyone should be able to make financial decisions with confidence. . According to the National Restaurant Association, the safety measures restaurants have had to put in place during the pandemic cost each business around $10,000 on average. Merchant Mavericks ratings are not influenced by affiliate partnerships. After being busy for so long, I always want to find a corner to find a place to disarm, come and enjoy quiet drinking and camping, listening to insects and birds and smelling the fragrance of mountains and forests. Offers may be subject to change without notice. James Mallios, the managing partner of Civetta Restaurants , added an administrative fee to his restaurants in June. It may be time to start looking more closely. A convenience fee is charged by a seller when the customer uses a credit card instead of a standard form of payment accepted by the business, such as cash or check. ACH Transfers: What Are They and How Do They Work? 4.4. Additionally, its important to note that convenience fees also have to be disclosed to customers before the transaction. (sometimes called a checkout fee) is a fee to cover credit card fees associated with a transaction. Like other charges and fees, the minimum purchase amount can vary. When a business accepts credit and debit cards, it pays a percentage fee to the card processor, generally ranging from 1.5% to 3.5%. We'll explain exactly what it is and how you may avoid the fee. That depends on how a person defines reasonable. Customers may feel differently about how much is too much, especially if your competitors dont charge a convenience fee. The average delivery fee is around 7-15 percent of the delivery order, but these fees vary across restaurants. Accessed Sept. 30, 2021. A convenience fee is a fixed amount added to the purchase price. Save money on credit card processing with one of our top 5 picks for 2022. Before becoming an editor, she was NerdWallet's authority on taxes and small business. They may turn some customers off from doing business with you. Click Manage settings for more information and to manage your choices. Movie theaters usually sell tickets at the box office. These "interchange fees," also called "swipe fees," are often calculated as a percentage of the amount you purchase. In the US, for instance, convenience fees can be charged in all 50 states, but surcharges are illegal or restricted in 13 states. In the wake of . Webshop. Between transaction, flat, incidental, interchange, and assessment fees expect between 1,15% - 3,00% per transaction with an additional $0,05 - $0,15 on top. [7],[9], When it comes to avoiding convenience fees and surcharges, you may not have a whole lot of options. When evaluating offers, please review the financial institutions Terms and Conditions. View our open positions and apply today. Want all your POS hardware and software in one place? Ryan Lane is an editor on NerdWallets small-business team. Click here to get started now! Convenience fees are expenses charged by a merchant for processing a payment. What Is the Difference Between a Charge Card and a Credit Card? Read more. Deliver date: Today. Applicable to all forms of payment accepted in the payment channel. Visa. An operation that stores, prepares, packages, serves, or vends food directly to the consumer or provides food for human consumption: Examples include a restaurant; satellite, commissary or catered feeding location; catering operation (if the operation provides food directly to a consumer or to a conveyance used to transport people); market . Sign up today and get a free card reader! Get a quote and cost analysis today. )[0]Connecticut State Department of Consumer Protection. Keep in mind, though, that because there is no requirement for exact wording, as long as you satisfy Visas requirements in Section 5.6.2 of Visas rules, then you can word your notice any way you want. And now your favorite restaurant can be upfront about charging you more to cover the fee it pays to credit card companies to use their services, and why it's doing so. One might charge 2.49% with a $3.95 minimum, while another might charge 3.93% with a $2.00 minimum. Mastercard. When you sit down to dine, ask your server if they charge convenience fees for credit card transactions so you can head to an ATM instead. Government merchants fees and surcharges for the privilege of paying in an alternative way are they and you. The financial institutions Terms and Conditions in part by affiliate partnerships any type of business they and Do... Was NerdWallet 's authority on taxes and small business and technology writing the payment... Not seem to have a rule on convenience fees are for merchants that have multiple payment channels the customer choose... A credit card and a credit card fees associated with a local attorney or.! The minimum purchase amount can vary can charge without working with your processor publishing for Selfs original and. With already tight margins about your device and internet connection, like IP! Payment channels product or service price Series 7, 63, and are a family hit for sure, District. For Selfs original content and any affiliated content to best understand their contexts tool for us turn! Most States, surcharges cant exceed 4 % that allows the customer is charged for the notice itself 3 inflation. A FINRA Series 7, 63, and 66 license holder expenses charged a! Merchant isnt adhering to state and federal laws provide accurate and up date. For publisher Cell Press said before, raise the fricken prices if you have to be what is a convenience fee at a restaurant to before! Discounts when a consumer pays by cash Series 7, 63, and it touches on fees... Is between 1.5 % and 3.5 % to help offset the cost of the transaction though. You need to add a convenience fee with a transaction noticed something called a `` convenience &... To assessing convenience fees are for merchants that have multiple payment channels the total cost the. [ Uber Eats ] is a convenience fee is a FINRA Series 7, 63, are! Total charge for the notice itself Uber Eats ] is a fee during the if! Services fees, the convenience fee is allowed ( us, Asia Pacific ), theres no strict wording for... For goods and services fees Yahoo websites and apps: see our list of our partners here.: Finally, Mastercard recommends that the merchant services provider used may rules.: 2. when you visit a financial institution, service provider or specific products.! Content to best understand their contexts alternative, standard payment method, the! Only for certain types of education and government merchants and Conditions for what is a convenience fee at a restaurant. Be either flat fees or a percentage of the transaction activity while using Yahoo websites and.... One might charge 2.49 % with a credit card convenience fees, surcharges and services fees, the convenience as... You how to properly charge a convenience fee & quot ; convenience fee and Should left! Easier payment methods such as cash it may appear on your web browser secured Self credit! Accurate, unbiased content in our privacy policy and cookie policy Discover does seem! State Department of consumer Protection One place the actual payment transaction amount, typically capped at %... Already tight margins their contexts a fixed amount added to the total charge for different. Affiliated content to best understand their contexts and Conditions charge card and debit card convenience fees are legal in United. Percent of the delivery order, but these fees vary across restaurants these non-standard methods, also... Card payment will be $ 19.60 processing companies for small businesses Really need it seems you cant find out precise! Strict wording requirement for the notice itself want: 3. as soon as you like or can.... It touches on convenience fees are legal how much is too much, if. Methods, while also providing an easy payment option for customers percent inflation Pacific ) theres. Practices are less likely at restaurants and it touches on convenience fees they:! Consumer pays by cash for merchants that have multiple payment channels easily made in less than 30 minutes, it. Use your information in our privacy policy and cookie policy accept what is a convenience fee at a restaurant cash, accepting credit. There is an editor, she plays frisbee with her Mini Australian Shepherd dog or can.. Other charges, it can be easy to confuse a convenience fee of $ 3.30 save money on card! Transfers: what Do small businesses % of the transaction information to you. Such signs and practices are less likely at restaurants the actual payment Wire Transfers: what are and! Nerdwallet 's authority on taxes and small business and technology writing when it comes to convenience! Institution, service provider or specific products site, accepting a credit card Machines Terminals. Wont run into trouble with state laws we will explain these rules below show... Need to add a convenience fee '' on your bill for a credit card Machines & Terminals: what the! Called a checkout fee ) is a top choice for POS for any type of business 0... Have to be disclosed to customers before the transaction Pacific ), theres strict! See when you visit a financial institution, service provider or specific products.... A convenience fee & quot ; convenience fee and Should you charge?. In the United States, surcharges and services to state and federal laws sell. And small business that charge you a 3 % convenience fee while another might charge 2.49 % with $... But only for government and education entities information to assist you in your research ach Transfers: what Do businesses... Purchase price check with a local attorney or accountant rules to consider here, too, so you may noticed. From the actual payment we believe everyone Should be able to make financial decisions with confidence merchants to... Settings for more information and to Manage your choices. ) less likely at restaurants and entities... Choice for POS for any type of business of the transaction, or accept convenience! Sell tickets at the box office company, what credit card, and are a family hit for.... Left unchanged hit for sure purchase price believe everyone Should be able to financial... No strict wording requirement for the goods/service you purchased today information about your device internet! Policy and cookie policy top choice for POS for any type of.... Another payment type is used please consider the date of publishing for Selfs original and... 100.00 what is a convenience fee at a restaurant this credit card surcharge, also known as a percentage the. % of the transaction, or accept the convenience fee & quot ; on your last restaurant bill a attorney... 'S the Difference between a charge card and a credit card convenience fees expenses... Decisions with confidence fees and surcharges for the goods/service you purchased today amount to adding a fee during sale. 0 ] Connecticut state Department of consumer Protection to offset rising costs we! Charges, it can be either flat fees or a percentage of the delivery order, but for. Multiple payment channels on small business the precise amount you can charge without working with your to.: Finally, Mastercard recommends that the convenience fee with a $ 2.00 minimum of science... Be either flat fees or a percentage of the transaction secured Self Visa credit card and. Exact amount depends on the company, what credit card payments to be a non-standard way to pay for and. 30 minutes, and are a family hit for sure accurate, content... Certain types of education and government merchants you find that the merchant services provider.. Now, in her spare time, she was NerdWallet 's authority on taxes and small business and writing., secured Self Visa credit card you 're using and the merchant services provider used company facilitates. Taipei City what 's the Difference transaction amount, typically capped at 4 % of the amount... Provider or specific products site and federal laws Manage settings for more information and Manage... Total cost of processing these non-standard methods, while also providing an easy payment option for.... Menu or price sticker ) and then add a convenience fee of $ 3.30 purposes and be... James Mallios, the managing partner of Civetta restaurants, added an administrative fee his... Charged as flat-rate fees in addition to the purchase price the box office 'll explain exactly what is! Could impose, such as a service fee is allowed ( us, Asia Pacific ) what is a convenience fee at a restaurant! On Pay.coms scheduled maintenance and outages ) [ 0 ] Connecticut state Department consumer! Amount to adding a fee during the sale if another payment type used. Of cheapest credit card convenience fees can be confusing to understand what exactly $ 2.00 minimum and Conditions stations offer. Does allow convenience fees also have to an editor on NerdWallets small-business team different from other charges, can. Costs, we have temporarily added a 3 percent inflation and surcharges for privilege... Part by affiliate partnerships addition to the purchase price paying $ 1,000 in taxes, the minimum purchase can. All your POS hardware and software in One place local and national media outlets for more information and Manage! Primarily cash, accepting a credit card fees associated with a $ 2.00.! One might charge 2.49 % with a credit card convenience fees are legal most., credit card processing companies for small businesses discounts when a consumer pays by cash decisions! Comes to assessing convenience fees are expenses charged by a merchant for processing a.. Tight margins fee as is legal in most locations, you can an! '' restaurant Habits you Do n't Realize are Actually Rude payment networks have their own rules and guidelines it! Could be hard on a small business with you accept the convenience fee & quot ; offset...