ClubSoft provides flexible payment options for clubs and their members, including credit card, ACH (bank transfer), and check payments. This guide explains how processing fees work and how your club can choose who pays them.

🧾 Overview of Payment Options

When a member pays an invoice, they may see options like:

• Card / Apple Pay
• ACH / Bank Transfer
• Check (no processing fees)

Each payment method may include different processing fees depending on your club’s configuration.

💰 How Fees Are Calculated

ClubSoft uses standard payment processing rates (through its integration with Stripe).

Credit Card / Apple Pay

• 2.9% + $0.30 (Stripe processing fee)
• + 1.5% ClubSoft application fee

👉 Example:
$200 invoice → $9.37 total fees → $209.37 total

ACH / Bank Transfer

• 0.8% Stripe fee (capped at $5)
• + 1.5% ClubSoft application fee

👉 Example:
$200 invoice → $4.64 total fees → $204.64 total

Check

• No processing fees

👉 Total = $200.00

⚖️ Who Pays the Fees?

ClubSoft gives your club full control over how fees are handled.

Option 1: Member Pays the Fees (Default)

• Fees are added on top of the invoice
• Members see the total before paying
• Club receives the full invoice amount

✅ Best for:

• Keeping club revenue whole
• Passing processing costs to the payer

Option 2: Club Absorbs the Fees

• Fees are not shown to the member
• Club pays the processing cost
• Club receives slightly less than the invoice total

👉 Example:

• Invoice: $200
• Member pays: $200
• Club receives: ~$190.63 (after fees)

✅ Best for:

• Simpler member experience
• Encouraging online payments

🔧 How to Configure Fee Settings

Club admins can choose how fees are handled on a product level:

1. Go to Financials – Products
2. Create a new Product
3. Select your preferred option:
   • Customer covers processing fees
4. Save changes

🧠 Best Practices

When to pass fees to members:

• Your club wants predictable revenue
• You process a high volume of payments
• You want to avoid covering transaction costs

When to absorb fees:

• You want a clean, simple checkout experience
• You want to encourage faster payments
• Fees are a small portion of your budget

⚠️ Important Notes

• Fees vary slightly depending on transaction size
• ACH fees are capped, making them a lower-cost option for larger payments
• Test and Live payment environments may behave slightly differently
• Clubs can adjust this setting at any time
• ClubSoft absorbs a 0.4% Stripe invoice processing fee due to backend processing and system complexity.
• Future enhancements will include the ability to charge a member’s card on file and support in-person payments via card readers.
• Debit card fees cannot be passed on to the end user so fees for debit cards must be absorbed by the club.

💡 Tip for Clubs

Encourage members to use ACH (bank transfer) when possible — it offers:

• Lower fees than credit cards
• Secure, direct payment
• Better value for both the club and the member