Fees and Payment Method Controls

Payment processing costs money. Sawfish gives you the choice, per method, of absorbing that cost or passing it to the customer as an on-charge fee added at payment time.

Enable and disable methods

Each payment method - Credit Card, PayTo, PayID, and Bank Transfer - can be switched on or off for your organisation. A disabled method simply doesn’t appear on your customers’ payment pages.

On-charging fees

On-charging can be enabled per method:

• Credit card - controllable per card type: set Visa, Mastercard, and Amex independently (with domestic and international rates where they differ). Absorb Visa/Mastercard but on-charge Amex? Fine.
• PayTo and PayID - flat on-charge toggles.

When on-charging is enabled, the customer sees the fee before confirming - the fee is calculated for their exact card and shown as part of the total. The settlement you receive is the invoice amount, with the fee covered by the customer.

Fees are GST inclusive

All quoted payment gateway fees include GST.

Where these settings live

Under Settings → Accounting, the payment methods tile has the toggles: enable or disable each method, and switch on-charging per method - with credit card on-charging controllable per card type. The underlying fee rates are part of your payment setup with the Sawfish team.