What’s Included
Your transaction fee covers everything you need to sell globally:- Payment processing (cards, wallets, local payment methods)
- Sales tax, VAT, and GST calculation, collection, and remittance
- Fraud protection and chargeback handling
- Localized pricing in 135+ currencies
- Compliance with regional regulations
- Usage metering and billing
- License key generation
- Digital product and file delivery
- Feature and entitlement management
- Customer billing portal
Transaction Fees
Fees are charged only on successful transactions:| Fee Type | Rate | Description |
|---|---|---|
| Base fee | 3.5% + $0.40 | Applied to every transaction |
| International cards | +1.5% | Cards issued outside the US |
| Recurring billing | +0.7% | Subscription and renewal charges |
Fees are calculated on the transaction amount before tax.
Fee Examples
One-time purchase (domestic card)
One-time purchase (domestic card)
$100 product, US customer, US-issued card
You receive: $96.10
| Component | Calculation | Amount |
|---|---|---|
| Base fee | $100 × 3.5% | $3.50 |
| Fixed fee | — | $0.40 |
| Total fee | $3.90 |
One-time purchase (international card)
One-time purchase (international card)
$100 product, UK customer, UK-issued card
You receive: $94.60
| Component | Calculation | Amount |
|---|---|---|
| Base fee | $100 × 3.5% | $3.50 |
| Fixed fee | — | $0.40 |
| International | $100 × 1.5% | $1.50 |
| Total fee | $5.40 |
Subscription (domestic card)
Subscription (domestic card)
$50/month subscription, US customer, US-issued card
You receive: $47.50 per month
| Component | Calculation | Amount |
|---|---|---|
| Base fee | $50 × 3.5% | $1.75 |
| Fixed fee | — | $0.40 |
| Recurring | $50 × 0.7% | $0.35 |
| Total fee | $2.50 |
Subscription (international card)
Subscription (international card)
$50/month subscription, German customer, German-issued card
You receive: $46.75 per month
| Component | Calculation | Amount |
|---|---|---|
| Base fee | $50 × 3.5% | $1.75 |
| Fixed fee | — | $0.40 |
| International | $50 × 1.5% | $0.75 |
| Recurring | $50 × 0.7% | $0.35 |
| Total fee | $3.25 |
Refunds
When you issue a refund to a customer, the original transaction fee is retained. This applies to both full and partial refunds.| Scenario | What happens |
|---|---|
| Full refund | Customer receives full amount; original fee retained |
| Partial refund | Customer receives partial amount; proportional fee retained |
Disputes & Chargebacks
When a customer disputes a charge with their bank, a $15 fee applies regardless of the dispute outcome.| Outcome | Fee | Transaction amount |
|---|---|---|
| You win | $15 | Returned to you |
| You lose | $15 | Refunded to customer |
Reducing Disputes
Clear billing descriptors
Use a recognizable business name on statements so customers remember the purchase.
Proactive support
Make it easy for customers to contact you before they escalate to their bank.
Accurate descriptions
Set clear expectations about what customers are purchasing and delivery timelines.
Easy cancellation
For subscriptions, provide a simple way to cancel to prevent “friendly fraud” disputes.
FAQ
When are fees deducted?
When are fees deducted?
Fees are deducted automatically from each transaction before the payout reaches your account.
Are there monthly fees or minimums?
Are there monthly fees or minimums?
No. You only pay when you make a sale. There are no setup fees, monthly fees, or minimum transaction requirements.
How is 'international' determined?
How is 'international' determined?
A transaction is considered international when the customer’s card is issued outside the United States. Since Kelviq is the Merchant of Record registered in the US, this applies regardless of where your business is located.
Do fees apply to free trials?
Do fees apply to free trials?
No. Fees only apply to successful paid transactions. $0 trial authorizations do not incur fees.
What about failed transactions?
What about failed transactions?
No fees are charged for declined or failed transactions.