Service Fees

Learn about the requirements and what you can do with Service Fee.

Service fees are available to sellers in the education or government industry to help offset the cost of processing payments.


Service fees are only available to eligible MCCs under Education and Government.

  • The seller must be enrolled in the appropriate programs for each card network:
  • Eligible sellers can use a third party to charge service fees. Ths includes your own platform and application.
  • The buyer must be aware of the fee and its purpose before making a payment.
  • After the fee gets disclosed, the buyer must have the option to cancel the transaction without any consequences.
  • The fee must be similar to the sum of all costs of accepting a card (suggested 3%).

MCCs that are eligible to use Service Fees include:

Eligible Service Fee MCCs
Category MCC
Court Costs, including Alimony and Child Support 9211
Fines 9222
(MasterCard only) - Bail and Bond Payments 9223
Tax Payments 9311
Government Services (Not Elsewhere Classified) 9399
Elementary and Secondary Schools 8211
Colleges, Junior Colleges, Universities, and Professional Schools 8220
(Visa only) - Business and Secretarial Schools 8244
(Visa only) - Vocational Schools and Trade Schools 8249
(Mastercard only) - Schools and Educational Services (Not Elsewhere Classified) 8299

We recommend setting the service fee to about 3% of the seller's average transaction.

Sellers who are not eligible and can't join the card network programs can use Convenience Fees as an alternative.

Using the API

Include the service fee in convenience_amount when creating a Transfer or an Authorization.

See the following for an example where a $10,000 parts order has a 3% service fee:

  • The transaction is for a $10,000 delivery with a Convenience Fee of $300.
  • The fee is included in tags for tracking purposes.
curl \
    -H "Content-Type: application/json" \
    -H 'Finix-Version: 2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
        "additional_buyer_charges": {
            "convenience_amount": 30000
        "amount": 1030000,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
            "delivery_service_fee": "30000"