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Kelviq operates as a Merchant of Record, handling payments, tax compliance, and global selling on your behalf. You pay a transaction fee when a payment succeeds. There are no setup fees, monthly fees, or minimum transaction requirements.

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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

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Transaction fees

Every successful payment starts with a base fee. The base rate changes after your organization processes $5,000 in total sales volume. A recurring charge or international card can add another percentage to the same transaction.
The recurring and international-card percentages are added to the applicable base rate. The fixed $0.40 is charged once per successful transaction.

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How the $5,000 threshold works

The threshold is based on your organization’s cumulative processed sales volume, not the number of payments or the volume for a single month. You pay 2.9% + $0.40 on transactions processed before reaching $5,000. After your total processed volume reaches $5,000, subsequent transactions use the 3.5% + $0.40 base rate. Fees on earlier transactions stay as they were.

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All fee combinations

The additional percentages stack when a charge is both recurring and paid with an international card.

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Example fees on a $100 charge

This example uses a $100 gross charge. If the payment includes tax, the gross amount is the full amount charged to the customer.

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Example: a sale with sales tax

A customer in the US buys a $50 product with a US card. Sales tax is 8%, so they pay $54. Your organization has already passed $5,000 in sales, so the base fee is 3.5% + $0.40. The fee is charged on the full amount the customer pays, including tax. Before the $5,000 threshold, the same sale costs 2.9% + $0.40, a $1.97 fee.

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How fees appear in Transactions

The Fee column under Payouts → Transactions shows the total fee deducted from a payment. It combines the applicable base rate, recurring fee, and international-card fee into one amount. Tax is shown separately. For a successful transaction:
Learn how to read the Transactions page →

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Payout fees

There’s no payout fee. Your full balance is sent to your bank account or eligible debit card. If your bank account uses a different currency, the amount is converted when the payout is sent. Learn how Kelviq payouts work →

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Refunds

The transaction fee isn’t returned on a refund. Here’s how a refund of the $54 sale above is paid out: For a partial refund, the amount you enter is what the customer gets back, and the tax inside it is worked out proportionally ($20 × $4 / $54 = $1.48). Refunds always go through for the customer. If your balance is smaller than the refund, it shows a negative amount.

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Disputes and chargebacks

Each dispute costs a $15 fee, whatever the outcome. If you win, the payment stays with you. If the bank sides with the customer, the amount is returned to them.

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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.

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FAQ

Fees are deducted automatically from each transaction before the payout reaches your account.
No. You only pay when you make a sale. There are no setup fees, monthly fees, or minimum transaction requirements.
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.
No. Fees only apply to successful paid transactions. $0 trial authorizations do not incur fees.
No fees are charged for declined or failed transactions.