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

# How do I choose payment methods and add a service fee?

> Turn card and bank-transfer acceptance on or off and add an optional service-fee surcharge.

<Note>
  **Must know**

  * A **service fee** is an optional surcharge you set (a separate % for cards and for bank transfer) to pass some or all of your processing cost to families.
  * It's different from the processing fee itself, which is **always** deducted from your payout regardless.
  * Bank transfer is labeled **ACH** in the US and **EFT** in Canada; at least one payment method must stay enabled.
</Note>

Payment methods and service fees live on **Settings → Financials → Checkout & Taxes**, in the **Payment methods & service fees** card.

<Steps>
  <Step title="Choose which methods families can use">
    Toggle **Cards & wallets** (Credit/Debit Card, Google Pay, Apple Pay) and **Bank Transfer** on or off (the bank option reads **ACH** in the US and **EFT** in Canada). You must keep at least one turned on — Uplifter blocks turning both off.
  </Step>

  <Step title="Set a service fee (optional)">
    Each method has its own **Service fee** field. Enter a percentage to add a surcharge for families who pay with that method at any checkout, or leave it at **0** for no fee. A small **Processing** badge next to **Cards & wallets** shows your plan's actual card processing cost, so you can size the fee against it.
  </Step>

  <Step title="Save">
    Click **Save Changes** in the page header.
  </Step>
</Steps>

The service fee is your tool for recovering processing costs. Because the processing fee itself can never be charged directly to a customer, a service fee is the only way to shift some of that cost onto the payer.

**Related:** [Who pays payment processing fees on my sales?](/club/money-payouts-accounting/who-pays-processing-fees) · [How do I set up sales tax at checkout?](/club/money-payouts-accounting/set-up-sales-tax) · [What does my Financial Overview dashboard show?](/club/money-payouts-accounting/financial-overview-dashboard)