--- title: All about payment processing fees description: Payment processing fees can be passed on to your customers or charged to your team. --- [Skip to content](https://support.toughcommerce.com/all-about-processing-fees#main-content) ![Untitled design (3)-1.png\]](https://support.toughcommerce.com/hs-fs/hubfs/Untitled%20design%20(3)-1.png?width=40&height=40&name=Untitled%20design%20(3)-1.png) - [Help Site](https://support.toughcommerce.com/) - [Tough Commerce Website](https://www.toughcommerce.com/) - [Dashboard](https://dashboard.toughcommerce.com/) Open main navigation Close main navigation - [Help Site](https://support.toughcommerce.com/) - [Tough Commerce Website](https://www.toughcommerce.com/) - [Dashboard](https://dashboard.toughcommerce.com/) - - [Raise a ticket](https://support.toughcommerce.com/migration/kb-tickets/new) [Raise a ticket](https://support.toughcommerce.com/migration/kb-tickets/new?hsLang=en) Hello! How can we help you? - There are no suggestions because the search field is empty. 1. [Knowledge Center](https://support.toughcommerce.com/?hsLang=en) 2. [Finance and Payments](https://support.toughcommerce.com/finance-and-payments?hsLang=en) 3. [Payment](https://support.toughcommerce.com/finance-and-payments?hsLang=en#payment) # All about payment processing fees ## This guide walks you through how payment processing fees work and how to choose the option that best fits your business needs. ### Digital Payments Are Easy and Reliable At Tough Commerce, we make it easy to accept payments — whether through credit card, ACH, or even cash. We encourage using digital payments like **ACH** or **credit card** for the smoothest experience. They help streamline order processing, ensure faster reconciliation, and get funds delivered directly into your bank account. Here’s a quick breakdown of how processing fees work, and how they affect your payout. ### Understanding Processing Fees Here is a breakdown of the fees: | Method | Fee | | --- | --- | | Credit Card | 3.5% + $0.30 | | ACH | 1% | | Cash | No fee | ### Who Pays the Fee? You have the flexibility to either pass the fee on to your customer or cover it yourself. **Example:** $100 Order - **If the fee is passed on to the customer:** The customer pays the invoice total including processing fee, **$103.80**  (100 \* 0.035 + 0.3) and you receive the full **$100**. - **If the fee is paid by your team:** The fee is deducted from your payout. For a $100 order, you’ll receive **$100 minus the processing fee**. Either way, your payout reflects the net amount after fees, depending on your preference. ### What Happens If You Issue a Refund? If you need to refund a payment: - Your customer receives their full refund. - The original processing fee is **not returned** to you — even though the payment was reversed. 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