Transaction Fees in Optix allow you to automatically charge users a processing fee for each payment, such as credit card or ACH transactions.
Adding transaction fees can help you:
Recover costs: Offset payment processing fees charged by gateways like Stripe
Improve transparency: Clearly display fees to users on invoices
Automate billing: Apply consistent fee rules across all payments and invoices
Customize control: Adjust or remove fees for specific invoices as needed
How transaction fees work
How transaction fees work
Transaction fees are configured at the organization level in Settings.
The fee a user is charged depends on the payment method used for that payment (for example, credit card vs ACH).
In an invoice view, Optix may display a transaction fee based on:
The user’s default payment method, or
The last payment attempt for that invoice (if a different method was attempted)
How to enable transaction fees
How to enable transaction fees
To charge Users transaction fees such as credit card fees, follow the steps below:
Click on Settings from the left-hand menu
Under Features, select Invoicing
Click Payment policy
Click Configure Transaction Fees under Payment gateway transaction fees
Enable Add transaction fees and specify the amount that you'd to charge your Users for each transaction
Click Save
How to override transaction fees on a specific invoice
How to override transaction fees on a specific invoice
If you need to remove or change the transaction fee for a particular invoice:
Finalize the invoice (status must be Finalized, not Pending)
Open the invoice
In the Transaction fee dropdown, select No fee or the appropriate fee type
Save your changes
Note: Org admins configure the fees in Settings, and the available options here are all recurring + manual payment method types enabled for their payment gateway
FAQs
FAQs
Can I set different transaction fees for ACH vs credit card payments?
Yes. You can configure separate fees by payment method (for example, one fee for credit card and a different fee for bank account/ACH).
Can I set different transaction fees for different products in Optix?
No. Transaction fees are not configured per product.
If the invoice shows a credit card fee, will the user still be charged that fee if they pay by ACH?
Not necessarily. The fee the user pays depends on the payment method used for the payment. If the user pays by ACH, they will be charged the bank account (ACH) fee only if you have configured one.
Troubleshooting
Troubleshooting
A credit card fee is showing on the invoice, but the user wants to pay by ACH. Why?
In the invoice, Optix may show the transaction fee based on the user’s default payment method or the last payment attempt. The actual fee charged is based on the payment method used for the payment:
If the user pays by credit card, they are charged the configured Credit card fee.
If the user pays by bank account (ACH), they are only charged a fee if an ACH fee is configured.
I don’t see the option to configure an ACH (bank account) fee
Confirm ACH is enabled in your payment gateway settings (for example, Stripe).
Then return to Settings > Features > Invoicing > Payment policy and check the available transaction fee fields again.
I can’t override the transaction fee on an invoice
Confirm the invoice is Finalized (not Pending).
Confirm your role has permission to edit/override invoice fees.
Note: Within the invoice, Optix will show the transaction fee based on the User's current default payment method OR the last payment attempt (if the User chose a different payment method). If no default payment method is saved, the fee shown will be based on the last payment attempt for that invoice.
Note: The fee that the User will pay is based on the type of payment method used for the particular payment. This means that if the User is using a credit card, they will only be charged the transaction fee that you have specified under the 'Credit Card Fee' field.
If the User pays using a bank account (ACH), they will only be charged a fee if you’ve configured one under the ‘Bank Account Fee’ field — and this option will only appear if ACH is enabled in your Stripe payment gateway settings. Make sure the relevant payment methods are enabled in Stripe before configuring any transaction fees in Optix.
Need more info on Invoices?