Take Control: Customizable Credit Card Processing Fees
By Nupur Mittal, Co-Founder, OCTA
Pass it on—your way. Processing fees are part of doing business, but with OCTA's newest update, you're in control of how they're handled. For more on reducing payment friction in AR, see [7 Mistakes That Are Costing You in Payment Collection](/resource/blogs/7-mistakes-that-are-costing-you-in-payment-collection-and-how-to-fix-them) and [Introducing Auto-Charge: The Set-It-and-Forget-It Payment Solution](/resource/blogs/introducing-auto-charge-the-set-it-and-forget-it-payment-solution).
Pass it on—your way. Processing fees are part of doing business, but with OCTA's newest update, you're in control of how they're handled.
Features
- Set the exact percentage you want to pass on
- Customize fees at the currency level
- Adjust fees based on card type (Visa, Mastercard, etc.)
How It Works
- Enable/disable pass-on fees
- Set unique processing fee % for different currencies
- Configure by card types for granular control
Why Fee Management Matters for Your AR Strategy
Credit card processing fees — typically 1.5% to 3.5% depending on card type and region — represent a meaningful cost for businesses with high average invoice values or high card payment volume. For a company processing $1M in monthly card payments, a 2.5% processing fee is $25,000 a month. Without the ability to pass that fee on to customers who choose card payment, the business effectively absorbs a significant portion of its payment collection cost.
This feature gives finance teams the flexibility to align their fee policy with their commercial strategy. Some businesses absorb fees for all customers as a competitive differentiator — keeping payments friction-free to accelerate collections. Others pass fees on selectively: to customers who choose premium card types, or only above a certain invoice threshold. OCTA's per-currency and per-card-type configuration makes both approaches possible without compromise.
The result is a payment experience that gives customers the flexibility to pay by card while ensuring that the cost of that flexibility is allocated the way your business intends — not simply absorbed as an unmanaged line item against your AR margin.