Consumer convenience
fee option

The consumer convenience fee option allows merchants the opportunity to pass check processing costs to consumers. The customers pay processing fees required to cover the transaction. Businesses enjoy fast, secure check processing at no cost.

How it works

  • At the time of purchase the consumer pays a convenience fee in order to complete the payment transaction
  • The business pays no fees related to the cost of processing the transaction
  • Transaction information uploaded to Paya through a variety of options (virtual terminal, payment gateway, API or batch file)
  • Funds electronically debited from the client
  • Funds electronically deposited into merchant’s account


  • No processing fees for merchant
  • Free online reporting available for complete transaction tracking
  • Secure payment method without any increased operating cost
  • ISO maintains higher retention rates with merchants using no-fee processing


  • Improved cash flows with expedited payments
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Automatic notification and resubmission of NSF items

Programs Supported

  • ACH Debit (non-guarantee)
  • Checks By Web(non-guarantee)
  • Checks By Phone(non-guarantee)