Convenience Fee Payment Processing That Eliminates Your Processing Costs

Name: Payment Savvy LLC
Address: 5760 Legacy Drive Suite B3, Plano, TX, 75024, US
Telephone: 1-866-303-2558

Accept credit and debit card payments without paying processing fees. Pass costs to customers who choose card payments while staying fully compliant.

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What Is Convenience Fee Processing & Why It Matters

Convenience fee processing allows businesses to accept credit and debit card payments without absorbing the processing costs.

When customers choose to pay by card for added convenience, they pay a small fee that covers your processing expenses while you collect 100% of the payment amount.

Payment Savvy specializes in compliant convenience fee solutions backed by legal authority. Our online platform lets customers submit payments online, over the phone, via IVR, or even by text message, giving them genuine flexibility in how they pay.

This approach offers real choice. Customers who want the convenience of card payments understand the small processing fee. Those who prefer to avoid fees can use alternative methods like ACH electronic checks, which we process without any convenience charges.

Our solution combines cutting-edge technology with proven compliance frameworks, ensuring your convenience fee program meets all card network rules and regulations.

Benefits of Convenience Fee Payment Processing

Transform your payment processing costs with compliant convenience fee solutions.

Zero Processing Fees

Your business collects 100% of every payment. Processing costs are covered by customers who choose the convenience of card payments.

24/7 Payment Acceptance

Receive payments around the clock through web, phone, IVR, or text. Customers pay when it's convenient for them, improving collection rates.

Multiple Payment Methods

Accept Visa, Mastercard, Discover, and ACH payments. Offer customers genuine choice in how they pay.

Real-Time Processing

Payments process instantly with immediate confirmation. No delays, no waiting for funds to clear.

Recurring Payment Setup

Establish automated payment schedules for subscriptions, installments, or regular invoices. Reduce administrative work while improving cash flow.

Instant Payment Reminders

Automated notifications remind customers about upcoming or past-due payments, reducing late payments without manual follow-up.

Legal Compliance

We follow all card network rules for convenience fee implementation. We're experts in the regulations and requirements, offering a proven solution that keeps your business protected.

How Convenience Fee Processing Works

Here's how customers pay, and your business keeps 100% of the payment amount.

Customer Chooses Payment Method

Customer selects their preferred payment method: credit card, debit card, or fee-free ACH electronic check.

Fee Disclosed (Card Payments Only)

If the customer chooses card payment, the small convenience fee is clearly disclosed before they complete the transaction. ACH payments have no fee.

You Receive
Full Amount

Payment processes in real-time with full security. Your business receives 100% of the payment amount as the convenience fee covers your card processing costs entirely.

Industries Benefiting from Fee-Free Processing

Convenience fee processing works across multiple sectors where customers value payment flexibility.

Healthcare & Medical Billing

Let patients pay bills without eroding your reimbursements. Processing fees are covered by those who choose card convenience.

View All Healthcare Payment Solutions

Property
Management

Rent collection without processing fees eating into your margins. Tenants choose their preferred payment method.

View All Property Management Payment Solutions

Law Firms

Client retainers and legal fees processed without reducing your collections. Maintain full billing amounts.

View All Law Firm Payment Solutions

Government Agencies

Accept payments for fees, permits, and services without budget impact from processing costs.

View All High Risk Merchant Account Payment Solutions

Don't see your industry? We create custom convenience fee solutions for businesses across most industries. Learn more.

Unlock Your Full Business Potential

Combine convenience fee processing with complete payment solutions

ACH Payments

Offer fee-free electronic check payments as an alternative to card transactions, satisfying network requirements.

Learn More

Recurring Billing

Automate subscription and installment payments with flexible scheduling that works for your business model.

Learn More

Integrated Voice Response (IVR)

Enable phone-based payments 24/7 with automated systems that guide customers through secure payment processing.

Learn More

Pay by Text

Let customers pay instantly via text message for the ultimate in payment convenience and speed.

Learn More

What Our Clients Say

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Ricardo Villanueva 
 
 
 
 Trustindex verifies that the original source of the review is Google. Payment Savvy has been nothing but great. Eli Smith is the rep that helps me with my account and he is INCREDIBLE. He has helped me obtain a merchant and made the process as smooth as possible. An outstanding guy. Great company i highly recommend. I have also had the pleasure of working with Brandi both of them together make an AMAZING team to work with! will recommend them to everyone looking for a merchant
  
 
      Posted on Google  
   
   April Cirincione 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience and Our rep Eli is always so helpful, fast to respond even if he doesn't have a quick answer just yet.  I appreciate that competence and communication.  Nothing but 5 Stars with him!
  
 
      Posted on Google  
   
   HLNM Properties LLC 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional communication and customer service. Great rates. Their platform is my companies favorite. If you need payment processing Payment Savvy is the way to go
  
 
      Posted on Google  
   
   NEAM 
 
 
 
 Trustindex verifies that the original source of the review is Google. Payment Savvy has been reliable payment processor and has delivered on all commitments over many years of our business relationship. They should be a trusted partner for any business looking for a scalable, intuitive payment provider with redundancy capabilities. Payment Savvy has maintained great service over the years and has never under delivered on commitments while using a straight forward approach. The great service is very much appreciated.
  
 
      Posted on Google  
   
   Meghann McCauley 
 
 
 
 Trustindex verifies that the original source of the review is Google. ELI WITH PAYMENT SAVY IS ALWAYS THERE TO HELP ME! HE RESPONDS ALMOST IMMEDIATELY TO MY EMAILS.
  
 
      Posted on Google  
   
   Amanda Ash 
 
 
 
 Trustindex verifies that the original source of the review is Google. Eli Smith and Lauren Vanegas are the epitome of great customer service! They are knowledgeable,  professional, collaborative, personable, efficient and timely. Our companies have seamlessly worked together for years with zero complaints. If you find yourself in need of a payment processor Payment Savvy is the BEST option out there!
  
 
      Posted on Google  
   
   melissa thomas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great Customer service team, they continue to go above and beyond for us!
  
 
      Posted on Google  
   
   Brandon S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great product and an even better team of people! Thanks for all you do.

Ready to Eliminate Processing Fees?

Let Payment Savvy create a legal, compliant convenience fee program that lets you collect more for less.

Get a Free Quote

Call 1-866-303-2558

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Frequently Asked Questions

Everything you need to know about convenience fee payment processing.

What is a convenience fee?

A convenience fee is a charge applied when customers choose to pay using a payment method that provides additional convenience beyond standard payment channels. The fee typically covers the cost of processing the transaction and usually represents around 2-3% of the payment amount. Convenience fees must be clearly disclosed before payment and are only charged when alternative payment methods are available.

Is a convenience fee legal?

Yes, convenience fees are legal throughout the United States when implemented according to card network rules. The fee must be clearly stated during the purchase process, applied as a flat amount (not a percentage), and charged only when alternative payment methods are available. Convenience fees can only be assessed for payment channels that provide extra convenience beyond standard business operations. Payment Savvy's solution is designed to meet all legal and card network compliance requirements.

Why is a convenience fee charged?

Convenience fees cover the cost of processing electronic payments, particularly credit and debit card transactions. Card processing involves fees from card networks, issuing banks, and payment processors. Rather than building these costs into prices for all customers, convenience fees let businesses offer card payment options while passing processing costs only to customers who choose this convenient method.

Will convenience fees affect my customer relationships?

When implemented properly with clear disclosure and genuine payment alternatives, convenience fees are well-accepted by customers. People understand that card payments provide convenience and that convenience has a cost. Customers should know about the fee before completing payment and should have easy access to fee-free alternatives. Many businesses find that offering payment flexibility actually improves customer satisfaction.

What's the difference between a convenience fee and a surcharge?

Convenience Fee Payment Processing That Eliminates Your Processing Costs

What Is Convenience Fee Processing & Why It Matters