• You are taking credit card payments

  • You want to know why transaction fees may differ for the same amount

This document assumes the following:

  • You know how to navigate around the Credit Card section of Enrolmy

  • You understand how the basic transaction fees are calculated

Payout Schedule Transaction Fee Differences Explained 

You may notice that the transaction fees(Txn. Fee) may be different for invoices of the same charge.

  • This is because when a customer pays for two or more invoices in the same transaction, the transaction fee is split proportionally between the invoices.

  • Below is an example for you.   This example assumes the provider pays the full transaction fee of 3.63%. 


Customer Alex

Pays 1 invoice of $100 in 1 transaction


Transaction amount = $100


Total transaction fees

= (3.63% of 100) +30c

= $3.63 + 30c

= $3.93

Transaction fee for $100 invoice

= $3.93 

Customer Ben

Pays 2 invoices of $100 and $50 in 1 transaction


Transaction amount = $150

Total transaction fees

= (3.63% of 150) +30c

= $5.45 + 30c

= $5.75

For Ben, the fee is split between the two invoices.

Transaction fee for $50 invoice

= $5.75 x 50/150

= $1.92

Transaction fee for $100 invoice

= $5.75 x 100/150

= $3.83


Although Ben pays for two invoices, he only pays one 30c fee as he only has one transaction.

So, this 30c is split between the $100 invoice and the $50 invoice proportionally.

In this case, the $50 invoice would take 10c out of the 30c, and the $100 invoice would take 20c out of the 30c.

This is why Ben's transaction fee for the $100 invoice is $3.63 + 20c = $3.83

Alex pays the one $100 invoice so the full 30c applies to this single invoice, which is why Alex's transaction fee is $3.63 + 30c = $3.93.

Great! You now understand how the payout schedule works!