> ## 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.

# Who pays payment processing fees on my sales?

> How processing fees are calculated, why your club absorbs them, and how refunds can cost a fee too.

<Note>
  **Must know**

  * Your club always pays the processing fee — there is **no** way to pass the processing fee itself to the customer.
  * The fee is **deducted from your payout**, not billed separately.
  * A refund to the original card or bank carries its own fee, and you don't get the original sale's fee back — but a refund recorded as cash or returned to a gift card carries **no** processing fee.
</Note>

Every card or bank payment your families make carries a processing fee from the payment processor. That fee is always borne by your club and is taken out of the funds before they're swept to your bank — so a payout's **Net** is always a little less than its **Gross**.

**How the fee is calculated**

The processing fee is:

> (base amount + tax, if the customer pays the tax) × your plan's transaction-fee rate + a fixed per-transaction fee

The **Checkout & Taxes** page shows **your plan's** actual processing rate under **Insights → Current plan** — your transaction-fee percentage plus the fixed per-transaction fee — not a generic reference. The **View plan** link beside it opens your **Billing & Plans** page for the full plan details.

**Refunds cost you a fee too**

When you refund money back to a customer's original card or bank, your club absorbs a processing fee on the refund as well (a small percentage of the refunded amount). You do **not** get the fee from the original sale back, so that refund costs your club a bit more than the amount returned, and the refund fee is recorded to your ledger. A refund you record as cash (handled outside the platform) or one returned to a gift card moves no money through the processor, so it carries **no** processing fee.

**Want customers to help cover it?**

You can't charge the processing fee itself to families, but you *can* recover some or all of it at checkout. Set a per-method **Service fee**, or add a named **Surcharge** — a checkout or renewal fee stacked on top of your service fees. Both live on the **Checkout & Taxes** page.

**Related:** [How do I choose payment methods and add a service fee?](/club/money-payouts-accounting/payment-methods-and-service-fees) · [Why does a refund cost my club more than the amount refunded?](/club/refunds-cancellations/why-refund-costs-club-more) · [How do payouts to my bank work?](/club/money-payouts-accounting/how-payouts-work)