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You can still view topics in the Xero Business Community to see all the useful knowledge that’s been shared there; and you can restart conversations you feel have been of huge value to you on Xero Central.
If you have brilliant ideas for innovations, you can keep on adding feature requests in the Xero Business Community, and voting on existing requests. There’s more in store, as we come up with the best way to take on your thoughts and share developments

Auto Calculate Credit Card Fee or online payment fee and show on Invoice
Started by Michael Martion in Feature Requests | Idea
Becasue of this I am not offering a credit card facility, which I know is costing me business, but the potential for error going down the other path is quite large.
The invoice could/would look like
- Total including GST (amount owing if paying by cash, cheque, EFT)
- Finance (creadit card) charge
- Total amount owing (if paying by credit/debit card)

For those using or interested in the functionality with Stripe - We have help on how to set this up across in Xero Central, or just pop a case into our specialists if you need a hand.
Throughout 2020 we've been focused on strengthening the integrations with Stripe and GoCardless, and creating more streamlined pathways to getting your invoices paid faster.
Not shying away from the demand for improving the way in which you can show and apply payment processing fees, however I want to be honest that this isn't something we're looking to expand right now. We'll share if there's any change.

Tim Longhurst

This would be fantastic! Not as essentail as some other things Ive seen on the forum but a worth addition!

I also suggested that Xero allow ACH check deposits independent of paypal.
** Important** those that have commented on this please "vote" for it. I see more comments on this topic than I see votes.


Merchant fees of >2% and Paypal/Amex of >3% is well above what the inherent value of these services are worth. Largely because of rewards/platinum cards. It's a case of a free lunch being paid for by the seller.
Happy to pay without passing on charges if the fees represented realistic value of the service, i.e. around or below 1.0%.

Dale Henderson




I agree with @Andrew - I have actually removed credit card payments because of this.



We are supplying some high-value goods and services. Credit card payments take out a significant chunk in processing fees. Please make this an option for us to add a fee for credit cards. Debit card fees, we can cope with.



I would like to able to nominate a sale amount above which I could apply a credit card charge.
The credit card merchant and gateway fees cost a significant amount - PayPal is just obscene!
so we NEED A SOLUTION URGENTLY.
What I would like to be able to do is set a limit of say $200 above which a 2% surcharge would be applied should the customer elect to pay by credit card.

Also Xero needs to expand the .DOCX only file format for invoice templates. This format restriction precludes Apple MAC users from being able to brand templates unless they purchase Microsoft software.
www.skiadventures.com




Or, if they select not to pay via credit card, they just download the PDF of the invoice which has all the payment details already detailed on it from the template.
I'm not a programmer, but I'm sure that is pretty simple to do. And I'm surprised that it wasn't implemented when the PayPal feature came out.

It may be harder to implement than we realise - lets just hope Xero are considering knocking this one over soon, as they have done with other requests around the 30-40 vote mark.




This feature is certainly needed ASAP, I'd prefer to use eWay with Xero. As it stands I'm either forced to wear the cost or not provide a payment option clients request.
A standard percentage/fixed fee per payment service would be great! Really this should be implemented as a matter of urgency. Hopefully someone hears us all! :)
Thanks


There is only 44 votes and so many +1's here that it doesn't tally.

I do solar installs and some can be $20000. Paypal commision on that is $600.00!!!!

I use eWay, between them and CBA's fees it's costing me about 1.8%
It would still be nice for Xero to add the fees on, but at least you could cut your fees in the mean time.

The other option is a different template in Xero for Large Invoices that has NO Credit card option and suggests bank transfer. I do have a mobile eft terminal already, its rates are very good. The automatic payment saves a lot of time and effort though. I still think if they had to pay a surcharge they would pay in another way. Thanks for your advice.

Trent Brindle

Graeme Thornton


Full disclosure, we are a Xero development partners and creators of Paydment.

There are many more complex requests, with far fewer votes that have been completed, so why the inaction Xero?

I am assuming however, that Xero are purposely ignoring this functionality due to the arrangements/kick backs they may receive from the gateway providers, like eway, paypal etc. As this would cause a slight drop in online payments by clients who dont want to cop the CC fee.


"(✔) Add ( 3 )% to invoice to cover credit card fee"
...where 3 can be changed to any number. That would be enough.
Is this something that could be made by developing an add-on?

You can't just add 3% onto the invoice as the payment gateway would then take 3% of that final amount.

You can add 3%, as this number generally works for PayPal transactions because it covers the PayPal fees (usually around 2.4%), plus the additional amount when adding the extra 3%.

For example, we had the eWay connector enabled and a customer paid a $19K invoice on his credit card. He openly admitted he paid with credit card to collect frequent flyer points and actually called us after to ask if we charged a surcharge, commenting it was 'madness' that we didn't. Our reply was that Xero doesn't seem to care.
Please reconsider as this is hurting the Xero user's cash flow OR costing them money.

Xero, this is an urgent issue to many of your paying customers. An issue that eWay themselves have acknowledged subtly to myself. Attend to this as a matter of priority.


This feature is far more important to a small business than any of these other minor tweaks you are looking at.
Xero is targeted at small business isn't it?

Small Businesses need it!


Matt has opened a new thread, here:
https://community.xero.com/business/discussion/4272543/
Cheers

I would greatly appreciate any guidance on how to add this optional charge.

There's a way of doing this using Docx invoice templates. While it won’t add the fee on the invoice in Xero, the fee can be displayed on the invoice your customer receives.
This is done using Bookmarks, and Formula fields in Word. If anyone would like a copy of a rough template please let me know (Miri I’ve just sent you one). Otherwise I’ve briefly explained the process below.
- Download and open your Docx template
- Select the whole field <<InvoiceAmountDue>> so it's fully highlighted and select Insert > Bookmark.
- As the Bookmark name enter AMOUNT
- Place your cursor where you want the Credit Card amount to be (it needs to be below the <<InvoiceAmountDue>> line), and go to Insert > Quick Parts > Field
- In first column select =Formula and press the Formula Button
- In the Formula box enter =AMOUNT*1.0X (with X being your Credit Card percentage)
- In the Number Format Box add #,##0.00;(#,##0.00)
- Save and upload your template to Xero!

So if your customer decides to pay the larger, Credit Card, amount, you can add this fee to the bottom of your invoice in Xero and reconcile it to the statement line.


If you have further questions about our new service please feel free to email me direct on trent.mclaren@eway.com.au


Thanks for your feedback, as per the earlier Discussions this is a solution eWAY has created specifically in response to the feedback of Xero partners across AU NZ & the UK. Currently this is the only service that can offer automatic surcharging for Xero online invoicing.
Please feel free to call and discuss in further detail (0800 392 947 or 1800 10 65 65) - we'd love to know why eWAY isn't the right fit for your business and what we could do to help you further! I've also updated the link above that will now take you to our video's outlining PayThis in detail. Thank for letting us know. :-)



Matt Bullock
CEO
eWAY

We have had great feedback on this payment product so far - we have made it really easy to add a surcharge on a credit card payment via XERO - http://www.eway.com.au/xero/add-surcharges - you can set a different surcharges based on the card types and it is auto added to the XERO invoice once paid.
We have also added an eWAY eWallet linking to facebook so your customers only have to enter their credit card once for all invoices.
Plus the really cool thing is the payment page is optimised for mobile payments, making it easy to pay on an iphone or ipad etc.
Getting a merchant account with eWAY can now take around 6 days instead of the normal 6 weeks - plus we can do all the paper work and you wont have to talk to the banks.
Please let us know what you think ??? - we would love your feedback
Matt Bullock
CEO
eWAY

Cheers,
Jayden

Matt Bullock
CEO
eWAY

Find out more about eWay and PayThis
We haven't ruled out adding this sort of functionality in Xero, but it's some way down our list at present, so great to see an alternative.
Thanks eWay.

Thanks,
Peter

Thanks for your question.
Payment Account
Select the account you would like all your funds to appear in once paid via eWAY through Xero.
Surcharge Account
Select the account you would like your surcharge fees to appear in, within Xero. This can be the same as your payment account or you can seperate it all together.
We are always happy to help, please feel free to call anytime on 1800 10 65 65 or 0800 392 947
Trent
eWAY
Xero Ambassador


If I have clients paying for $100k of invoices over the year on their card, I'm giving away $3000 in credit card fees. Every single one of my clients that pays via card does it for the points and would be totally happy to wear a 2.9% surcharge to get the points.
It'd also be good to have an option for the credit card payment links to expire after a given amount of time - I'm less worried about losing 3% on the transaction if people are paying promptly. If someone is over 60 days in the red and then they put it on their card, well, I suppose it's better than not getting paid at all...

I've been dealing with eWay directly for a number of years, as I run a ecommerce business in Canberra.
I'd like to see a surcharge incorporated into the Xero invoice, as this is pivotal for my business, where each transaction amount is thousands of dollars. My website already incorporates a surcharge, but when I invoice through Xero I want to incorporate a surcharge if my customer selects credit card or PayPal.
I don't really want to have my developers re-code my website, and utilise incorporated eWay surcharges, and I deal direct with PayPal and don't want to funnel everything through the eWay gateway.
Is it possible for eWay to setup multiple sub-accounts for us to work-around this problem? (one for my website, and one for xero invoices...)
Mike
www.bestexhaust.com.au

I discovered this by trial and error...
The downside is that automated PayPal surcharging is still not possible, both directly with PayPal and if I were to adopt this through the eWay Rapid 3.0 gateway (PayPal surcharging is not supported - Yet?) - also discovered by trial and error...
Are there plans to introduce PayPal surcharging, eWay?
Or is Xero planning to partner with PayPal directly (for global payment processing), and if this is the case will you incorporate surcharging for Australian customers?
Mike

I would also like a percentage button or drop down menu for the inventory purchase price.
This would then calculate your sale price automatically, again not having to rely on using the calculator.
Thanks

They talked me through by phone and its all done. It works great. If the customer gets my Invoice by email, they can click the link to pay, it then gives then the option to pay by credit. They have clear notification about the surcharge TWICE, the Invoice is then paid, It even amends the Invoice in Xero to cover the surcharge. Thanks Eway. Seems a third party has to do the work for Xero sometimes.


This would be something possible if xero were to implement the surcharging but eWay has no way of managing this sort of thing... Short of separate xero instances for Australian and international invoices...
Has anyone tried this?
Mike


So you should be paying ~1.25% for MasterCard and visa, and around 3% for Amex. (payPal is cheaper for Amex processing) - but that varies based on your turnover...

http://www.eway.com.au/xero/online-invoicing

For example, a $100 invoice might have a CC surcharge of 2%. But if you added 2% to the invoice to cover that surcharge, then the surcharge is calculated on $102, leaving you out of pocket.
Previous commenters in this thread have openly stated that they know their clients are only using credit cards so they can accrue points, so there is no reason we should be out of pocket. Losing out on that small percentage isn't too bad with a one-off $100 payment. But frequent larger invoices really add up.
What's wrong with adding the extra percentage as an "Admin processing fee"? It is costing us admin resources to set it up and manage it.

The eWay solution is a huge step forward, but it seems odd that it doesn't allow you to pass on the full cost of the credit card transaction. eWay's fees are 2.7% + 30c (I think) but you can only add a flat percentage to the invoice.

Changing the name of the surcharge, isn't that like calling theft relief? Semantics.


If I'm going to recover the 2.7%, why not the 30c?
The eWay solution could be improved by a "pass on whatever the surcharge is" setting.


Scott at the moment we do only have the option to pass on the % or a flat fee. But this is with our development team to look into.
I have also created these as ideas on our Merchant Forum so please feel free to vote on them as this is where our team gets the ideas for what to work on:
PayPal surcharge
Flat fee and % surcharge

Freelance Counsel

Please see - http://www.eway.com.au/xero/
Any questions please let us know
Matt


Matt


When clients pay online, it would be nice to add the feature for an additional % based on payment option they choose. eg. Paypal 2.4% or Credit card 1.8% and it show the amount.
Invoice for $1000 would be $1024 if paying with Paypal.


You've mentioned that the surcharge isn't clear when processing with eWay. I am not affiliated with eWay except for being a customer of theirs, however the surcharge is in my opinion made very clear when using PayThis. In fact as I recall eWay PayThis has a prompt specifically advising of the surcharge, the surcharge amount and requesting confirmation. Perhaps you somehow missed this?

Thanks for your time on the phone today - we love getting feedback from our customers and partners.
As Anthony pointed out, (thanking you, Anthony), our surcharge will appear on the invoice (highlighted in red) once eWAY reads the card type used on the transaction. E.g. Visa / Mastercard / AMEX
eWAY then advises the customer that there is a surcharge applied to this payment, asking for confirmation to continue.
Once paid, this surcharge is added back onto the Xero invoice as a line item - the invoice is then marked as paid!
We've had some great feedback about PayThis with Xero & eWAY - but we're always keen to hear how you'd like us to improve.
Please feel free to call 1800 10 65 65 or email xero@eway.com.au to discuss further.

Xero! Imagine if you took customer feedback this serious?




This is therefore still unimplemented for PayPal based credit card transactions.

Matt

Matt




@Trent Mclaren - I would have hoped you would have said "...when (not if) a surcharge through PayPal becomes available." :)

Have tried this temp 'solution' not working? Saving in word total shows 0.00 once uploaded !Undefined Bookmark, AMOUNT.
Not sure how to solve this...
- Download and open your Docx template
- Click on the field <<InvoiceAmountDue>> and select Insert > Bookmark.
- As the Bookmark name enter AMOUNT
- Place your cursor where you want the Credit Card amount to be, and go to Insert > Quick Parts > Field
- In first column select =Formula and press the Formula Button
- In the Formula box enter =AMOUNT*1.0X (with X being your Credit Card percentage)
- In the Number Format Box add #,##0.00;(#,##0.00)
- Save and upload your template to Xero!



http://www.eway.com.au/get-started-with-us
Any questions let us know
Matt

- Download and open your Docx template
- Click on the field <<InvoiceAmountDue>> and select Insert > Bookmark.
- As the Bookmark name enter AMOUNT
- Place your cursor where you want the Credit Card amount to be, and go to Insert > Quick Parts > Field
- In first column select =Formula and press the Formula Button
- In the Formula box enter =AMOUNT*1.0X (with X being your Credit Card percentage)
- In the Number Format Box add #,##0.00;(#,##0.00)
- Save and upload your template to Xero!
But I havn't been able to get it to work, can anyone show me it implemented as we offer a 3.5% discount if paid before the due date
Ian Fothergill

Tried DOCX template, haven't succeed with it yet.
James


It's true, the solution is already solved.
If anyone would like more information on how to start automatically adding surcharges to your Xero invoice. You can find this information on the eWAY website.
http://www.eway.com.au/xero/xero-payments
Feel free to call, email or LiveChat with eWAY anytime we operate 24/7.

What is someone doesn't use or want to use eway?


Notwithstanding that's it's been requested for more than two years.
I feel that Xero is not implementing this (which as others have pointed out is a relatively small code change) because their business partner eWAY has done it.
Well, let's see if this gets any traction, otherwise I think we all know the answer here, which is very disappointing.





It is not solved!!
The eWay offering is a good interim solution as mentioned above, but still doesn't work very well for businesses who already offer cc payments.
I'd like to offer the eWay option to my clients, but I already have a cc terminal at my business accepting in person, and over the phone cc payments. I still can't easily add a % to those invoices so then my customers who pay online would be paying the extra %, and the ones who pay directly with us would not...which becomes tricky.
We're not in a position to re-write an invoice every time a client pulls out a credit card, and as some payments are $25 and some are over $10k, a standard 'within' Xero solution is critical. SMB Merchants should not have to fund their clients' next holiday because of premium card payments....
If you go to the very top of this thread you can vote on the first post.

Surely this is a simple fix and should be a priority in this day and age when credit card fees are used a lot. If its automatic thats great, but in the instance of paypal it will need to make sure that the percentage and fixed fee are charged. I use the paypal calculator to get the correct amount to charge as a fee - http://www.paypalfeescalculator.com/.

eWAY partners with Paypal so we can help you achieve the outcomes you have written about.
Let me know how we can help you.

I don't want to have to pay just to have eWay process my paypal invoice payments...

You are so right, Xero just promotes add-ons like Eway as 'solution'. Unfortunately the share price is more important than serving existing customers!

As Andrew mentioned earlier last year we do want to add this in, we just have a few other things that are higher up on the priority list. Appreciate that doesn't help you now, but once our schedule frees up, we can look at adding this in later on.
I've outlined steps you can take in your invoice template as a way around this, and eWay offer a solution also. I hope this helps in the meantime.

Thank you Jules

But of course, the "Z" accounting package has had multiple payment links on the invoices for years... and their UI changes every six months or so, so that, you know, it doesn't look like "Win98" as much... I go from flatUI-Facebook-Gmail-AndEveryOtherOnlineSoftware-Normalcy to some mashed up Times New Roman looking Xero interface... c'est la vie
But I digress... It is disappointing when responsiveness moves to "We don't do it this way" and "We're doing all we can" mentality.

It would be much appreciated if you could bump this up the list of your to-dos.
Thanks.

If this is essential to your business you may need to look into the solution our Add-on Partner eWay came up with for this - read up on that here.
Alternatively, there is a manual way to show a Credit Card, or PalPal percentage increase on an invoice using Docx Templates - I’ve outlined this in one of my previous responses above.

You can already do this and so much more with eWAY.
eWAY helps thousands of Xero businesses and users, processing payments through our secure payment platform and making the setup process for payments fast and easy.
Through the eWAY PayThis feature, you can add a surcharge to invoices, which automatically calculates the credit card fee and adds it as a line item on the invoice.
You can discover more about this here.
http://www.eway.com.au/features/tools-paythis
The 24/7 local and multichannel eWAY experts
are here to help.
Easy. Helpful. Human
With you every step of the way.
Joel Symmans
CXO - Chief Experience Officer
eWAY

Businesses in America can't use eWay so this is pretty much a deadend.

@Xero, PLEASE PLEASE add this functionality. So easy.


But this is if you get lucky. If the customer is smart, they'll take advantage of the loop hole in Xero's software and then we wear the cost. THx XERO.

XERO is not interested in this (just the stock-exchange) as they are pushing e-Way, an official partner so they make money on that as well.... see reply Brittany H (Community Manager) 3 Mar 2015 for more details.
Wait a couple of days and you will see an entry from
Joel Symmans
CXO - Chief Experience Officer
eWAY
Oh so keen to sign you up for an add on....

Matt

I am new to Xero and Eway.
Is the "1.7% + 30c" including international Cards? Can I charge different currency and link them to my multi-currency bank accounts?
Thanks,
Victor

Thank you for your question, and for being a valued eWAY Customer.
I thought I'd jump in here and answer your questions whilst our CEO Matt is out of the office.
Our 1.7% + 30c plan is pricing for Standard Domestic cards.
There is currently no way of knowing which type of card is being used at the time of the order, as the banks charge after the fact.
This is why we've created a blended 2.6% 'Have a Go' plan - which includes ALL cards at one rate - making it much easier for merchants to understand and reconcile charges.
Yes, eWAY does offer multicurrency processing. You can charge your customers in their local currency, to help increase your basket conversion.
Some other information that might help:
1. Easy & fast auto reconciling with the Xero / eWAY Feed: https://www.eway.io/features/xero-eway-feed
2. eWAY has gone omni-channel with our Card Reader mPOS solution
https://www.eway.io/mpos
3. Add surcharges with online invoicing through Xero:
https://www.eway.io/features/tools-paythis
4. eWAY multicurrency
https://www.eway.io/features/multi-currency
Kind regards,
Joel Symmans
eWAY

Or Can you make available this DOCX template available some where on developer portal.
This will be really helpful to all of us.
Thanks & regards.



The Payment URL is created from the AMOUNT field in XERO - not the docx template which means its just the original non surcharge amount.

Just a query could this some how be achieved through a Custom Payment Message And Url ???
Anyone up for the challenge?

Yet I can remove the payment, and add a line item called payment with a negative value, and it works. This is a work-around if you need to take deposits and then accept a payment for the remainder.
Hopefully Xero comes to the party before credit cards become obsolete ;)
Mike
www.bestexhaust.com.au

Can you send me the DOCX template please? I'm trying to add two different surcharges, one for debit cards at 5% and one for credit cards at 1.2%.
Thanks!


Online payment services charge a fee per transaction (e.g. 2.9% + 30 cents for PayPal U.S.)
I'd like the option to pass the fee charged by an online payment service (e.g. Paypal, Stripe, etc.) along to my customer if they choose to pay online. Since my invoices tend to be on the larger side, even a few percent can be a significant amount.
I'd prefer to be paid by ACH, so would like to provide an incentive for the customer to do so.
- Paul

Could you please send a copy of the template to me as well? Thank you.

For example, if I send a client an invoice for $5,000.00 and they chose the “Pay Now” option, there is no ability for the client to actually add the 2.9% Stripe surcharge amount. The DOCX option is absolutely useless.
This is ridiculous that this thread is still going on. PLEASE FIX THIS XERO!

@Bec and @Kelly have sent you through the template now.

May we suggest that the Sales Invoice layout should have an option to include credit card surcharge like the below example:
Subtotal 100.00
TOTAL GST 10.00
--------------------------------
Total AUD 110.00
Less Amount Paid 0.00
--------------------------------
AMOUNT DUE 110.00
(Excluding Credit Card fee)
--------------------------------
Credit Card fee (inc GST) is 1.87
Maria Meliniza Jovic

I send invoices via e-mail to my customers and include details of my bank account so that they can pay via Bacs. My business has very small mark ups and cannot stand the cost of payment gateway fees. In the invoice txt we include details of our paypal account also but request that customers add the fee percentage on top of the payment and we then add an extra line to the invoice. However I'd prefer to have the pay now button in use.
I work at several companies that use other software such as sage with Sagepay as a gateway. If their customers pay via this gateway the fees automatically get added on the payment screen and an extra line on the invoice is generated automatically.
I'd love to see this feature added to Xero.
Regards
Stefan

eWAY has resolved this issue out of box with the Pay Now button. It does not cost you anything extra to use this, and easy to setup in a few clicks.
https://www.eway.com.au/knowledge-centre/trending-articles/how-do-i-setup-paythis-with-eway-and-xero
Regards,
Joel


Phil Kloos


Phil Kloos

Despite my pointless “notice” to clients to have me manually add the 3% credit fee, I still have clients just pay the amount automatically online. It’s not worth trying to refund the amount and re-invoice or try to get them to pay the additional fee amount at that point. So on top of Xero not having built-in ACH payment functionality (like Intuit QBO), you have this silly constraint.

Is there a Facebook page for Xero? Amazing how businesses have changed their attitude towards issues once a FB community kept asking for the same thing all over again... Just a shame that such a great accounting system simply does not want to make basic adjustments in favour to one add-on provider...

A FB page of outcry might just do the trick - because there are always other options to use/try - I don't need to use XERO, it's definitely not as convenient as it first promised

Phil Kloos


Phil Kloos


Phil Kloos

I am working on a plugin for us all to use. I expect to have it working within a week, but we'll see. If you would like to know as soon as it's ready, please email me at xeroplugins@gmail.com.
Otherwise, I will post again here when it is ready.
Cheers,
Jayden

Phil Kloos


Customer experience is everything these days, and Xero although you started off well you're "in a ditch" figuratively speaking right now. It might be time to get out of that ditch...

If you need any assistance please visit us at http://eway.io/

I would hope Xero will soon support specifying a fixed % online payment fee (to be automatically invoiced) in the invoice template. That wouldn't be particularly onerous and the value can be manually set to match what the card processor charges. At the moment the lack of such a feature renders the whole payment system completely unusable in our business.

There are definitely some other benefits to introducing card transactions on to your invoices over requiring customers to process a bank transfer. By processing using a card transaction the invoice can be updated automatically and if you use us, we allow your customers to access stored card details via social logins (they don't have to go and find their card, they can just log in via Facebook, Twitter etc and we'll look up their card details in our system).
Regarding surcharges, they eWAY "Pay This" integration allows you to set surcharges per card type (flat fee or a percentage). In addition to surcharges you also get access to:
* eWAY Bank Feeds in to Xero for auto reconciliation of payments and deposits
* Allow customers to pay via cards, PayPal, Social Payments, MasterPass and Visa Checkout
* eWAY SmartPOS allows you to accept payments face to face with tap n go or swipe payments and it even hooks in to Xero to display your invoices.
Just to clarify on the fees involved, yes it is higher than a bank transfer - this is because there are a number of systems being utilised to ensure a successful payment. Our percentage includes your interchange fee (the fees that the card issuers charge for accessing their system), the banks fee and finally our fee as well. In the case of the UK, we don't charge a percentage, we're only charging 5p per transaction.
Oliver we'd be more than happy to talk over the fees and benefits to your business in more detail with you, please feel free to email me on partner@eway.com.au and I'll have a member of our success team get in contact.
Maclean

I'd really like to see on invoicing an automatic function whereby when customers choose to pay via EFT they don't get charged anything additional, simply the invoice amount. However, when choosing to pay via credit card, that the invoice automatically adds on a set percentage fee. I saw this functionality on an electronic invoice I received last week and it worked really well and outlined what the additional % fee amount was, which I was happy to accept. Is this something that Xero will be offering as it would be really beneficial to me and my business and I'm sure many other businesses. Thank you in advance. Regards, Samantha.

My product, uCollect, will be adding this feature later this year. If you want to be notified just fill in the Contact Us form and I will let you know when it has been added.
For those interested in initiating pre-authorised Direct Debit/ACH or Credit Card transactions based on your Xero invoice due date and with Xero Payment Services option please check out uCollect.
Right now (Feb 2016) it has facilities for Direct Debits for NZ Banks, Australian banks (using generic ABA file), EziDebit, US ACH and SEPA (Eurozone). You can also charge credit cards through Stripe, Payment Express, Forte and Authorize.net. We also have PayNow integration for selected gateways. Coming soon will be eWAY, eDebit, Mint Payments, Go Cardless and more. Please let us know if there is some gateway that you would like to use that we have not listed.

Suggestion:
when clients click on the Pay now button it should show all the options of payments and surcharge prices next to them, online banking being free as least convenient,
Also we as the ones charging the clients should be able to determine the surcharge % as so it not just xero/paypal and the banks making money off this feature but also a little to the one doing the hard work bringing in the clients.
If Xero manages this i'll be forever in love more then i already am lets scratch each others back on this one.
efficiency = productivity = wealth!!! get on it xero as i want to charge people from my phone via clients credit card and gaining from it not loosing out on fees that should be passed on. talk about good cash flow



Its also very convenient for Xero to market to our customers when they make their payments using these buttons as they do.
So I find it really pretty crap that Xero are pushing their Pay now free publicity button, which of course uses a payment system like PP or Stripe, yet have decided to swerve the important payment processing problem they create.

If you use eWAY as your payment integration for Xero we can enable surcharges on our side. Further, you can have surcharges calculated on a per card basis (Visa, MasterCard, Amex etc) and we'll automatically notify the customer of the surcharge and charge it. We'll also add a new line item to your invoice for the surcharge to ensure a nice and easy reconciliation.
If you have any questions on this feature please get in touch, easiest way is probably live chat form our website eway.com.au
Maclean

and, that's kinda besides the point, wtf xero, this is a simple addition people have been asking for, for years, and you can't even provide a proper response, we shouldn't have to rely on third party solutions for something like this..

Just want the supplier I use to apply a very simple logic to invoices getting paid by payment systems....

Steve, no problem at all. I just wanted to make sure that you were aware that there are solutions outside of native Xero support.
Maclean

News flash eWay - you're pissing off your customerbase. Wakey wakey, fix some of this stuff and we might regain a little respect for you.

Please remember that just because you ask for it doesn't mean you will get it. I know that's not what we want, but it is the reality. This is not a "simple" change as some suggest (nothing ever is). It is nice that eWay give their users an option here - some other payment service providers do as well. At the end of the day if a software service doesn't do what is mission critical to you then you need to move to one that does - but please do so quietly.
P.S. I don't work for Xero, and don't respond to haters!

Just unwittingly signed up for Stripe (through xero) and was charged £10 for the benefit of a customer paying by card as opposed to by BACS which is my usual route.
Not happy that I am picking up costs so have taken stripe off and reverting back to my clients paying me by bacs transfer.
I do though like the added functionality that the PAY NOW by paypal/stripe offers but don't want to charge my clients say a £10 card fee when they may opt to pay by Bacs where there is no charge to me.
Also there appears to be no way to turn on / off the car payment feature on an invoice by invoice basis?

This would, in theory, open up a whole can of worms for Xero, as it would have to track state laws (and their constant updates), or the end user would have to be educated enough about their local laws. I certainly didn’t know the above law.

This thread had been going since 12/6/2012 and was a user request - people want this & I think it is poor form to have not even attempted to set up a simple version as a starting point towards a solution that people are requesting. They don't want third party agencies like eWay (who are 2.6% here btw compared to 1.9% from square) & we aren't all asking for a payment platform - we just want to quickly & simply calculate the charges to pass on to our customers.
It is not going to take much effort from any programmer who is worth employing to add an option for a simple multiplier algorithm to the invoice template.
Can you add this simple feature for a starting point?
Might save a whole heap of clients from voting with their feet
Over 1380 days since original feature request was made & counting..............

i don't wish to 'pay' for the stripe services. it'd be nice to have the option available for my clients who wish to pay using credit card but that they should pay the Stripe fees themselves (ergo, the fee is added on top of my invoiced amount such that i receive the full payment). otherwise, i have to calculate the stripe fee and add it on to the next invoice, which is a nuisance.

I am going to start looking at quickbooks and sage and see if they offer a more robust invoicing segment that includes important stuff like this.
I will let you guys know if there is a better solution to xero
axel funk

We generally provide updates where we have information to add, and at this stage there's been nothing meaningful to update you with here.
Recently we've been focusing on the Payment Service experience - improving the integrations we currently have, and adding new ones.
However, right now there isn't scheduled plans to develop this. We try to be as upfront as we can on these big requests as we know that the development/non-development of functionality can have an impact on decision making.
I do also just want to confirm that the age of a request doesn't necessarily influence when it'll be developed. A range of factors affect the priority of a feature being developed, voting being just one of them.
Any changes and you'll be the first to know here.


To see that users have been requesting this SIMPLE feature for 4 years now but it still has not been incorporated makes me want to propose a migration from Xero to another accounting software and I probably will bring that up during our next internal meeting.
If I were running things at Xero, I most definitely would have thought of this feature and incorporated it before the launch of the system. C'mon guys! This is a must and should be done ASAP!

I run a bookkeeping business and a lot of my clients were very happy when you introduced Stripe and square into Xero. A fantastic and quick way to get paid by our customers. It fit in beautifully with your "View and pay your bill online" facility.
However, most small businesses just cannot wear the 1.9% that someone like Square charges per transaction. All of my customers have been waiting for the ability to offer their customers to view and pay their invoices online - but are waiting. Why?
How do you offer your customers to view and pay their bills online, when the amount of the invoice will differ depending on which payment method the customer chooses. Does the business just charge everyone an extra 1.9% on top of all their invoices just in case their customer chooses to pay with credit card? Or do they just opt not to use that part of Xero? It would be a wonderful function in Xero and a real time saver for a lot of my customers' customers. But it is just too difficult to explain it when sending the invoice. No one reads the emails that come with the invoices anyway, unless there is an issue.
You have come so far with both of these systems and integrating them together, but the most important part of the whole exercise is missing.
So, if you want us to truly be able to be utilise Xero and be less hands on and more automated, then you will finish this one vital step in the chain you started.
There are numerous Xero users out there not taking up the payment methods due only to the fact that you do not have the function to be able to add on the surcharge.
Just thought I'd give you some insight into our frustration.
Thanks,
Hoping this is picked up and run with soon! :)

It seems Xero is trying to help small businesses get paid faster - at least that is what you tell us:
"At Xero we’re always looking for ways to help our small business customers get paid faster. With today’s release we hope to make paying you a more beautiful experience for your customers, by making it easier for them to pay you. We’re already making progress on the next set of improvements, so stay tuned!"
Maybe you should stop adding new payment services until you have completed the current payment services. You need to address the surcharge issue which has been on this forum for 4 years.
"We’ve seen fantastic uptake of these features"
Well you will be staggered by the uptake if you just address the surcharge issue.

We are using the Stripe payment service to accept credit card payments.
It is our understanding that there is currently no mechanism in Xero or Stripe to pass on the 1.7% fee to the client when they nominate to pay the invoice via credit card. That is, we would like to charge the client the invoice amount plus the 1.7% fee as an uplift.
Does anyone have a solution for doing this automatically on Xero? We are open to using a payment service other than Stripe to achieve this if necessary.
Alternatively, does anyone know if Xero and/or Stripe have this capability on their development roadmap or what the process is to request this?
Thanks
Karen.


As it stands right now, they seem to have turned a deaf ear to this request. I have already started looking for an alternative and as soon as I find one, I am saying goodbye to these guys for good.


Does Xero have some sort of "crowdfunding" option for implementing unplanned feature requests?
Since it isn't on the development roadmap, can Xero assign a dollar value to this work and agree to implement the feature if users fund it?
This would potentially provide a win-win.
It costs us money to not have this feature. It costs us in the fees we pay when a credit card is used, but it also costs us in that (because of the fees we can't recover), we don't offer credit card across the board which impacts cash flow.
I think Xero is an excellent platform and I want to keep using it. I also understand that a software developer can't provide everything for free. But I think we need to have a way forward to get this functionality implemented.
I'd be interested in Xero's feedback on this - I'll happily co-ordinate a crowd-funding appeal if Xero and other community members are interested....
Thanks
Karen.

I am holding off from accepting credit cards via Xero for this reason (as I'm sure other users are). Delay in adding features like this only serve to encourage users to look at alternatives... come on Xero!


Well, I am honestly appalled to find that this feature doesn't already exist, and at the rate in which Xero is working to solve what is an everyday issue in using this software. I'm looking back to when this topic was originally posted... 4 YEARS AGO!
I swear the worst decision I ever made, actually my wife made the decision due to the recommendations from our former Accountant, was to switch from MYOB!
It's a BASIC function. I can set up a formula to calculate this on Excel in under a minute!!!

How many actually do this... very few I bet. Many won't even know this is the way to request a feature and grumble away in their office and simply make the decision to switch. If Xero management realised this they would be prioritising such basic features.
It is frustrating and does more harm than any positive marketing can achieve.

I do have a bit of insight here, I'm a web developer and have built a couple of CMSs, currently being used by hundreds of clients. They wanted this feature, and I added it to our CMS. It didn't take long.
All it requires is two fields, a fixed price "flagfall" field, and a percentage field. This is enough for just about all the different credit card gateways out there. Then, if someone chooses to "Pay their bill online", then those fields are calculated, and a new line item added to the bill inside the merchant invoice. The invoice inside Xero doesn't need to be changed at all.
I honestly can't see why this hasn't been done yet.

This is the feature whereby when a client pays via a credit card gateway, the credit card fee is added to the invoice and paid by the client. I realise there is a very old request about this that has 258 replies and that Xero do not already have this on their roadmap.
I posted this question (see below) mid-June and am seeking a response from Xero.
Thanks:
It seems that there is alot of support for this request.
Does Xero have some sort of "crowdfunding" option for implementing unplanned feature requests?
Since it isn't on the development roadmap, can Xero assign a dollar value to this work and agree to implement the feature if users fund it?
This would potentially provide a win-win.
It costs us money to not have this feature. It costs us in the fees we pay when a credit card is used, but it also costs us in that (because of the fees we can't recover), we don't offer credit card across the board which impacts cash flow.
I think Xero is an excellent platform and I want to keep using it. I also understand that a software developer can't provide everything for free. But I think we need to have a way forward to get this functionality implemented.
I'd be interested in Xero's feedback on this - I'll happily co-ordinate a crowd-funding appeal if Xero and other community members are interested....
Thanks
Karen.




However, this DOES NOT ADDRESS the issue. As I understand it, we still pay for the stripe / Paypal fees.
I want the customer to pay for those fees.
Seriously, it can't be that hard. In fact I know it's not that hard, because I've written payment gateway code to do exactly this, in a couple of CMS modules.
Come on Xero, you're seriously straining the friendship here.


We are currently testing Xero in an effort to switch from Quickbooks. We are are also located in the US, so the fact that a 3-5% fee cannot be passed to the payee is a huge turn off.
Our transactions are several thousand dollars at a time, we must be able to pass that fee if a client wishes to pay via a credit card.
If Xero can't offer a solution for something in such demand I question their ability to offer support when we need it.
This is a shame to see.

XERO Please let us know if this would be an option.

Kylie Tucker

Then what is apparent - as demonstrated by this thread - Xero then ignore feature requests which are seemingly popular?!?!


Maybe, if we all like this post, share it or command on it, we will get it up in the list of loose ends... IF Xero doesn't remove the command, we all know they don't like feedback that doesn't fit their needs!




I would welcome meaningful dialogue from Xero to its user base. Not "even though we aren't responding, we really care about this but have no plans at the moment".
We need actual information such as:
- "we can't do this because......."
or
- "we could do this but it would cost X ...."
Here is a little indicator of the cost per annum to businesses of picking up the 1.7% fee if they take all payments by credit card.
Revenue Cost
500K 8.5K
1M 17K
2M 34K
5M 85K
Even at 50% of revenue via credit card the costs are high, especially compared with the cost of Xero likely $720 to $1200 per annum.
I'm assuming Xero is taking a percentage of the 1.7% and perhaps this revenue stream is more lucrative than the software one? The irony is if we had the ability to pass this cost onto the client we would all be using online payments more so more revenue would flow and I am happy for Xero to make money from it.
I am also happy to contribute funds to this development - as we want to offer online payment as standard but the ongoing 1.7% fee is just too high.
I am looking into:
1 - making direct content with Xero management (outside of this forum)
2 - investigating social media influencers in this space
3 - starting a crowd funding campaign to get committed funds from Xero users for this feature
I am not sure if any of these will get Xero's attention - I hope so.
I am holding onto the fact that this is a great system and that the team behind it want to help their customers and that for some reason, this community forum just isn't working.
If anyone has any input or ideas about items 1, 2 and 3 - I'd love to hear from you.
Best wishes
Karen


Having said all that we're looking into Auto Credit Card fees right now and are currently designing up a solution that we'll look to build next year. As usual, it's very hard to indicate a release date yet as it's still early stages. Just wanted to let you know that we understand this feature is important and useful - so we're keen on getting this done as soon as we can now the team have some space in their schedule!
For my money, Community is just one piece of the puzzle - it lets our Product team know big things that our customers want, and alerts us to little issues that can be quickly fixed. It also sets expectations on when functionality can be delivered, however there seems to be the expectation that software can be created overnight. We can't always develop on a whim as we have short and long term plans that effect what the Product team works on next. Payment Services haven't always been as much of a focus; but they are now. More on the prioritisation process can be found here.
I know the passion's there, enough to think about Crowd funding, and social media campaigns, but it's not able to make this happen faster. In the next few months, once we've got a better idea on timeframes, we'll come back here to update you. Until then, enjoy your holidays - I know it's a stressful time but next year at Xero is going to be a biggie; many things in the works.

It's the number one problem I have with Xero, so it will be great when it is resolved. However, I must take issue with one portion of what you said:
... however there seems to be the expectation that software can be created overnight. We can't always develop on a whim as we have short and long term plans that effect what the Product team works on next.
This issue has been open for FOUR AND A HALF YEARS. That is hardly overnight. Now I understand software development, my business is based around it. If customers consistently ask for something, then it gets built. No questions. I have actually built credit card gateway systems that allow this sort of calculation to be done. It's not hard. Honestly, it's not. From memory this feature took me around 15 hours to complete.
I'm really glad that you're looking at this issue. It will be fantastic when it's put live.

To add: options to make payment collection easier (Stripe, PayPal, Apple Pay etc etc) is null and void if creditors, particularly small business, have no way of passing on the costs.
We simply can not afford to utilise any of these options Xero have been tied up for four+ years working on.
Hopefully this will be rectified sooner in the new year than later.


So it only works if an invoice is paid in full. Having a rental company we have ALL invoices 20% paid at time of reservation, the 80% when commencing travel...
I totally agree with Ben Hitchcock, If customers consistently ask for something, then it gets built. No questions. Specifically when there are SO many people asking for this feature over FOUR years...
Brittany H, funny we have a response from you agian after a very long quite time. Was it because I took it to facebook this time?

I've done some research for my own business, and I must also disclose that I run a product that allows US business to avoid credit card fees by providing an ACH option to Xero online invoices (https://www.receivabl.es).
Currently it is illegal in 10 states to charge customers a surcharge for using a credit card.
Where it is legal, you must notify Visa and Mastercard that you intend to add a surcharge at least 30 days before doing so, and even then you can only add a surcharge to credit cards (not debit or pre-paid cards) that does not exceed the fee you are being charged.
It is against PayPal's user agreement to add a surcharge.
What I would suggest as an alternative is to increase your invoices across the board and offer a discount for cash, check, and ACH payments in the form of a credit note applied to the invoice. There are some states that have actually legislated to allow this, and it wouldn't be too difficult for payment processors to automate it.
Sources:
http://www.ncsl.org/research/financial-services-and-commerce/credit-or-debit-card-surcharges-statutes.aspx
https://usa.visa.com/dam/VCOM/download/merchants/surcharge-considerations-and-requirements.pdf
https://www.mastercard.us/en-us/merchants/get-support/merchant-surcharge-rules.html
https://www.paypal.com/us/webapps/mpp/ua/useragreement-full#accepting-payments



However, the original post was about recovering PayPal fees via a surcharge, which is also disallowed in New Zealand unless you charge the same fee for all payment methods, ie. just increase your rates.
See https://www.paypal.com/nz/webapps/mpp/ua/useragreement-full#3

We are having issues with the quotes section and not being able to add an automatic management fee. I've raised the issue and have been told that we will have to calculate this manually each time. Some quotes can take 4-5 attempts until a confirmation is reached, which without this additional function, would mean plenty of time wasted manually calculating, or running an excel file alongside Xero to do the calculations correctly.
The automatic VAT function is there and so is a discount option. Essentially it's just the reverse of a % discount.

Accounts Testology

Businesses must from (sept 2017) only charge the surcharge value OR below for fixed amoutns (aka take a loss) ... this means EVERY payment method (credit/poli/afterpay/etc) has to have a different rate put into your invoicing system.
This is now a priority feature as EVERY business must comply with this new law.


https://www.accc.gov.au/consumers/prices-surcharges-receipts/credit-debit-prepaid-card-surcharges

I already use this through eWay and the surcharge is already automatically applied...
I currently charge a flat charge because Amex reams me if I charge a steeper charge for Amex, and its midway between Visa/Mastercard and Amex, so the only change will be to either reduce the surcharge to the minimum or to implement different surcharges and suffer the wrath of Amex.
Note this only applies to credit and debit cards, and does not apply to other payment methods...
It would be nice if I could surcharge for PayPal automatically without processing through eWay, and as such Xero should wake up and implement this...


It's very easy for someone to merely state that they're working on something.
I mean, how long did it take them to just implement a basic inventory control?
No, I rue the day that our (now former) Accountant advised us to switch!

Stuart Taylor : (what did you switch to #interested)
It seems like an easy change, however in different jurisdictions there are different rules. I guess they already know what area the business operates in, so it should be a matter of adding an 'apply surcharge to invoice' a % + flat rate box for payment services under 'automate my fees'. As everyone has different rates, it should be data entry, even for stripe and paypal, as larger turnover = cheaper rates with every service (even if not advertised)
Great to see AU govt include that 'everyone' under that legislation HAS to allow surcharges, that includes paypal. #yay
Just wish Grays On-line would stop overcharging on shipping (up to 20 times the normal shipping rate)... anyway let's not be like Grays...

We've just released an update to our Xero add-on which auto-calculates the exact credit card fee and adds it as a surcharge to the payment amount. The result is you receive the full amount of the invoice in your bank account.
https://pin.net.au/xero
We can see quite a few of you are after this feature. If you haven’t come across Pin Payments before, we aren’t tied to any particular bank (we can deposit funds into your existing Australian bank account), so it’s easy to get started.
Happy to help answer any questions you might have.

I am a Pin client and really appreciate you doing this.
Just a quick question, how do we set this up on our account?

@Sidekick Creative, this surcharge functionality doesn't cost you anything beyond our standard pricing: https://pin.net.au/pricing Which has no setup fee, no monthly costs, and no minimum processing.



@Cindy Parnis, yeah - we love Billpower too! We might be biased, as we actually power their payments 😉

I'm puzzled as to why Xero can't organise this themselves, and it's up to third parties to do this, but there you go. I'm also puzzled as to why Stripe is an official partner, and Pin isn't, when Pin clearly has the one feature that so many clients want.
The market follows the features.

Probably the most important thing I could wish for from Xero right now.

We’ve been doing some exciting work around auto-calculating credit card fees to pass on to your customers. We're planning to begin a closed beta in the next few weeks. You can sign up here to help us learn more about how you currently get paid in Xero, and how you envision passing on fees.
Cheers,
Anne


Just wanted to let you know that the period to sign up for the private beta for auto-calculating credit card fees will be closing on Thursday. Please take this short survey if you are interested in participating.
Cheers,
Anne

Trent Brindle





Terry Jenner

Missed the survey though, keen for the results!


Sorry I missed the Beta release last month.

Would ring to find out, but you didn't pay your bill and your phone doesn't have a receptionist any more ;-) (even google has a receptionist)
I need to use this feature this week... hmmm...


We've just started a very early closed beta test using Stripe to calculate the credit card fees and passing them on to the customer. Once things are fully tested and working well we'll be able to share it with everyone. Will update you in the middle of the year (2017).

Crystal Web Designs

FYI the beta has a checkbox on/off... so have fed back that multiple rates need to be in the product, as international cards are also a different rate to domestic cards in some countries also, as well as the 'lower rates' that you can get for being a big merchant.
Let me just say it applies the surcharge only when you click on pay now and enter the credit card detail and then displays the fees to the user before checkout, then nicely puts it just above the total.
This of course begs the question about inserting other data in that area also..
Good start, more to come obviously.


Side note your payments accept page could use with a bit of love that allows you to brand it :)

Excellent option for Australian customers. The charge pass through to clients works beautifully, reducing our cost base and simplifying the receipting process. The rates are very competitive (same as Stripe which was previously best in our marketplace) and the settlement times have reduced to 3 business days after initial use period which is better than Stripe (7 business days).
In addition, the customer support is very responsive, personal and excellent.
We are happy campers.


Cheers,
Anne

When invoice is created, sent as PDF, customer clicks on View and Pay Online now, online invoice show up. At that time we dont know if customer wants to use CC/PP or bank deposit.
By paying online business has to coop the CC/PP fee. Can this fee be added later on top of the invoice when customer choose to use CC/PP via Paypal service ?
Sort of inserting another page after button Pay online, saying you chose CC/PP online payment which incur fee of 3%, agree / disagree. Then add this fee to that invoice.


One can only wonder how long/how many votes are required for Xero to pay attention/make their own realization.
Updated: May 26 2017

"Official Xero Reply Hi all,
We've just started a very early closed beta test using Stripe to calculate the credit card fees and passing them on to the customer. Once things are fully tested and working well we'll be able to share it with everyone. Will update you in the middle of the year (2017)."

Is that an option?

I really need some assistance here on how to treat the Credit Card fees charges to a customer.
For every transaction that we run on our EFTPOS machine the bank charges us a 3% fee which we pass on to our customers.
For instance if a customer has a payment of $100, we add $3 for credit card fees and customer pays $103.
The invoice that is created for the customer has:
$100 coded to the sales account
$3 coded to the credit card fees payable account.
When reconciling with the bank account, we have only the $100 appearing and the description mentions fees $3 charged. reconciling the bank account transaction against the invoice,it shows a difference of $3 which we reconcile under the adjustment bank fees and use the credit card fees payable code, this Zero's out the Credit card fees payable.
Appreciate your clarification if this is the correct way about going about the Credit Card Fees.
Thanks,





We appreciate your interest in joining the Stripe surcharging beta group! Please let me know your email address and org name. Once I have that, I will reach out directly with more information and we can plan to get you in the beta.
@J H, @CJ York, @Elliott Wolf, @Samuel Li, @Martyn Langman
Best,
Anne

David.ackling-jones@abilityconsultants.com.au
Thanks for adding me to the beta asap.
Cheers, David.

Can you please add me to the stripe beta as well???
jobie@polarelectricalsolutions.com.au
Thalarctos Pty Ltd
Thanks


One Room LLC
trudy@oneroomstreaming.com


Complete Hardwired Distribution Networks
harley@chdn.com.au

P K


Cheers!
Anne


Thanks. elliott@airandheat.com.au from Airconditioning and Heating Centre
We've just setup the standard Stripe Pay Gateway in invoices.

This feature would be highly appreciated!
May I please be added to the stripe Beta?
michael@parkesworx.com
Thankyou!

Please can you also add our company to Stripe Beta: Currently we are not using Zero for our sales ledger for this reason.
LEDlightguru
RichardP@ledlightguru.com

@Xero, this is totally unprofessional and I hate to tell you, the "treat them mean and keep them keen" isn't a thing... Let's implement this, it's not rocket science. Seriously...
If there's a Beta program, please sign me up for it on the NZ account. Thanks
Mike
www.bestexhaust.com.au
www.bestexhaust.co.nz


I asked XERO about 18 months ago for this feature, its costing our small business lots and lots, our bank fees have sky rocketed to the point that we are considering other accounting packages that allow for this. Our accountant was shocked at the bank fees since accepting CC payments.
Xero is usually so on the ball and feature rich, I can't believe this isn't already a feature.


We're also looking into adding support for Australian and NZ users. If you'd like to receive updates about that add your email address here.

I'd like to be added to the Stripe surcharging beta group pretty pretty please. We've just moved from EWay to Stripe, and we had the surcharging feature with EWay on our Xero invoices which was great ... and we're really feeling the burn using Stripe now!
Organisation name: The Caker Ltd
Email: orders@thecaker.co.nz
Thanks a million!

Rob here from eWAY - We noticed your account is still active, and we're more than happy to reach out and help you enable the surcharge feature that we already support.
I'll get an agent to give you a call during business hours to see how we can help.

But are very frustrated as when someone pays by credit card they have to go into the invoice manually and calculate the surcharge and resend the invoice and take payment and it is an awful process - There needs to be an option to add a bank charge by a % at the foot of an invoice so the percentage of the total will calculate and go into the invoice
Would be a very good feature and help businesses all facing the credit charge hassle

All Blacks Tours
finance@allblackstours.com
Thanks
Sam


Previous suggestion of having a threshold above which the nominated surchage of x% will be automatically calculated and added when they press the pay now button would be ideal. I'm okay with $1 or $2 on a $50 or $100 invoice...but being in IT, sometimes the amounts can be quite large because of hardware purchases and passing that on...say $1-$5k routinely...and that can eat in to our profits considerably.





To anyone else in Australia, you can do this with Pin Payments (similar to Stripe, couldn't recommend higher) but the fees are really high for our international customers, so really want to see PayPal and Stripe be able to pass on fees too.


It is now past the middle of 2017. Please supply the promised update.
"We've just started a very early closed beta test using Stripe"
Xero, when did you post that official comment? Please supply dates on comment posts.

Need this Stripe auto fee calculation feature!
And please add dates to comments - impossible to tell what's going on here otherwise.
Berwyn said:
"Will update you in the middle of the year (2017)."
It is now past the middle of 2017. Please supply the promised update.
"We've just started a very early closed beta test using Stripe"
Xero, when did you post that official comment? Please supply dates on comment posts.

We're now in Aug 2017, and I'd like to let you know that the beta period is over, and we’ve released the Stripe surcharging option for all orgs set up with Stripe. Here are a few things to know:
- After experimenting with the beta, we decided to let you set your own surcharge rates, rather than auto-calculating. The fee Stripe charges can differ in some regions depending on the card your customers pay with, so we wanted to give you the power to set your own rates.
- When you enable surcharging (in the Stripe pop up on the payment services page), your rate is defaulted to the percent that Stripe charges based on your org region. The fee you can charge is capped at 5% of the invoice total.
- You can create multiple surcharge rates. To do this you'll need to create a new Stripe integration for each desired rate in your Payment Service Settings. You should tie a branding theme to each integration.
- When an invoice is paid through Stripe with surcharging enabled, three transactions will be created to be reconciled: a payment transaction, a spend money for the fee Stripe charges, and a receive money for processing fee the customer pays. Our Stripe auto-reconciliation feature should make this easy!
- More info on how to set all this up is in our Help Centre.
I'd like to thank the beta users again for their participation and invaluable input!
Cheers,
Anne

So it STILL doesn't work as you can't put in the full rate you are being charged, even for just domestic cards.

For example I could set my default at 2% as most clients are invoiced at less than $24 per month.
For clients between $100 and $1,000 per month I could set it to 1% and set it to 0%for anyone over $1,00 per month.
A simple variable per customer, like the Sales Discount %, would do it.

Your "we're looking into this", how long is a peice of string attitute to this is starting to wear a little thin.



How simple is that Xero and that Button to the invoice section +add credit card surchage put the percentage and add it on the item list of the bill.
SUPER simple.
For not implementing this feature there must be a conflict somewhere with a partner of theirs that gives them a percentage of the profits.



I took extreme care to prioritise my very few votes to only the most critically important software failings but it really has made no difference.
There is nothing more important to a business model built on customer faith and trust than to ensure your customers feel heard and respected. I cant help but find myself believing that your current development roadmap is the achieving the very opposite of this. No transparency, very very very very very very very slow and apparently focused on many largely meaningless developments opposed to fixing day to day issues.
Can I suggest looking up onshape.com, sending a few execs to California to have meet and greet and discuss and learn how to build and evolve cloud software in partnership with your client base rather an in opposition and arrogant disregard for them.
Specifically on this issue, stripe is horrendously expensive compared to most bank issued ETPOS terminals. A recent check with our current provider showed that moving to Stripe to solve this issue would increase our eftpos transaction processing fees by 360%.



You are not allowed to inflate your surcharge from your payment provider.
@Roger... and then it's only half implemented (for domestic payments, not international cards 2nd rate) so it's not done)

As of today, I'm charging all my clients More for cc payments.
How can this be automated with xero ?

I've given up hope on this ever being implemented.
It looks like they have a platform version they've settled for and are raking in enough money just the way it is!
Word of warning to other people that promote this product: Although we've 'stuck' with Xero (this long), we dropped the Accountant that heavily pushed us toward using this incomplete package. Yes, she knew full well what features we used on MYOB, and what we required. But it would seem, just like the team at Xero, she was only focused on what she could gain from the move! (I believe that was gaining Gold Partner status or similar.)
Ps. We'll just add our own date stamps now from on too! ;) 07/07/2018


Currently we only do manual payments to Credit Card - we don't allow the customer to do their own payment from Xero/the invoice because of this.

Credit card surcharge = <InvoiceTotal> x 0.0175
If you want to show the total invoice amount including the surcharge it would be
Total invoice including credit surcharge = <InvoiceTotal> x 1.0175
You’ll then enter the invoice total including surcharge into the eftpos terminal.
This doesn’t enter the surcharge into Xero but the amount entered into your bank account will be the same amount as your invoice so there’s nothing else to do.




It should be really simple to add on a per account (contact) basis. For every contact under Financial Details, I can set the Sales Discount. How about a field saying
"Paying by Credit Card? Yes/No
"If yes what is credit card surcharge?"
So many products and services as cloud-based and only accept credit cards. This is a major flaw in Xero.
This way we can separate our EU clients and use discounts and Aus clients and add credit card fees.

I totally agree with this -
PayPal - Payment Service
Direct Debit - GoCardeless - Payment Service
Both should have same option of charging processing fee based on their fees.
Only thing is that you would need to account for clients address.
If they are in the country of your account then rate is lower.
But if they are in overseas and using overseas credit card on their paypal then its a different rate.
If you can setup settings for these 2 sevices then I will turn on auto payment processing fee charging for Stripe, PayPal, Direct Debit.
But for now for uniformity and to give my clients payment options I will just have to charge a 4% processing fee to cover both local and international processing fees from paypal, stripe, square (POS connection) and Direct Debit by Gocardless.
Imagine if you are selling $20,000 sale x 0.036 (3.67%) fee = $720 then goes to Paypal if its an international credit card. So who in their right mind would weather that cost? Especially in some areas like IT the margins can be low for some assets.
So until you have uniformity of providing auto charging of processing fee for each payment service you provide, its going to be useless if I use both PayPal and Stripe. If someone buys via PayPal I will lose $750 but if they buy via Stripe I wont lose it if I have the auto charge processing fee in invoice.
This improvement will make it so much easier to not have to pop the processing fee on top.
On top of that we have GST 10% tax in AUstralia so I have to:
1. Workout Retail Price + GST
2. then add 4% processing fee and
3. then set online store and invoices to be GST inclusive not exclusive to prevent further processing fee charging on top of the gst exclusive.
4. Even then I will lose some measure of profit. So I had to set the 4% processing fee to deal with Stripe: 1.75 / PayPal 2.9 / Go Cardless 1 and then their international rates.
So you see how important adding the automated processing fee charging after the prices have GST or VAT or some other country tax and would make things so much easier.
Enough said - we need this spruced up to automate the processing fee management and in turn reduce prices and show our customers multiple pay options but them see clearly the processing fees if they choose a specific payment option.

Let the end-user be the one who decides if they need to use this option and comply with state-local rules with regards to this, we're all grown ups here!



This is the feature whereby when a client pays via a credit card gateway, the credit card fee is added to the invoice and paid by the client. It doesn't matter when its a small amount but when its a large bill and the fee is over $200 it would be nice to show on the invoice the 2.5% charge - can you please help??

For those using or interested in the functionality with Stripe - We have help on how to set this up across in Xero Central, or just pop a case into our specialists if you need a hand.
Throughout 2020 we've been focused on strengthening the integrations with Stripe and GoCardless, and creating more streamlined pathways to getting your invoices paid faster.
Not shying away from the demand for improving the way in which you can show and apply payment processing fees, however I want to be honest that this isn't something we're looking to expand right now. We'll share if there's any change.

Xeros standard response to this across a number of forms is "I want to be honest that this isn't something we're looking to expand right now. We'll share if there's any change."
Its 2021, time to get with the times and focus on your loyal customers and provide them with a basic tool that helps with the economics of their businesses.
Lets hope we see something very soon, (2021).