Before You Start
Make sure that:
Stripe is already connected to your Kolleno account
Card payments are enabled
If Stripe is not connected, surcharge settings will not be available.
For more information on connecting Stripe, refer to the Stripe collection in the Help Center.
In some jurisdictions, charging processing fees to your customers is prohibited by law. It is your responsibility to act in accordance with applicable law.
Where to Configure Card Processing Fees
Navigate to the following path in Kolleno:
Settings
Payments
Stripe
Three Dots
Pass card processing fees
This opens the Stripe fees window, where you manage card payment surcharge settings.
Pass On Card Processing Fees
Tick Customers must pay the card processing fee. to turn on the fee, then fill in the settings below. Fees are charged on card payments only. Direct debit payments are never surcharged.
Setting | What it does |
Variable fee | A percentage of the amount being paid by card. |
Fixed fee | A flat amount added to every card payment, whatever its value. |
Minimum amount | No fee is charged on payments below this amount. Leave it at 0 to charge a fee on every payment. |
Calculation | How the variable and fixed fees are combined: Gross up (the default) or Markup. See below. |
Label | Your own wording for the fee message shown to customers. Leave it empty to use the default wording. |
You can use the variable fee, the fixed fee, or both together.
Minimum Amount
The minimum is compared with the total of the payment, in the payment's own currency. For example, with a minimum of 2,500:
A payment of 1,000 is charged no fee
A payment of 2,500 or more is charged the full fee
No fee is charged on payments below this amount. The amount is not converted between currencies: a minimum of 2,500 applies as 2,500 in whatever currency the payment is made. Leave it at 0 to charge a fee on every payment.
Calculation: Gross Up or Markup
Gross up charges the total that still leaves you the full invoice amount once Stripe has taken its fee. Use this to recover the Stripe fee in full.
Markup adds the variable and fixed fees straight onto the invoice amount. This recovers slightly less than gross up.
For a 100.00 invoice with a 2.9% variable fee and a 0.30 fixed fee:
Calculation | Total paid by the customer |
Gross up | 103.30 |
Markup | 103.20 |
The Stripe fees window shows a worked example for a 100 invoice using your settings. If your minimum amount is above 100, it tells you that no fee would be charged.
How the Fee Appears to Customers
When enabled:
The fee is added at the time of payment
Customers see the fee amount and the total, including the fee, before completing payment
Payments below your minimum amount show no fee
By default, the customer portal shows: "The total amount includes an additional processing fee of" followed by the fee amount.
If you enter a Label, your text replaces that whole sentence, and the fee amount is still shown after it. For example, a label of "A credit card surcharge has been applied." displays as: A credit card surcharge has been applied. USD 72.80.
This ensures transparency and avoids disputes.