Payment processing fees (card vs ACH)
Bank (ACH) payments cost 1.30% capped at $5.00; card payments cost 2.9% + $0.30. Fees are charged to your company — never deducted from the contractor — and itemized in the payroll preview before you confirm.
When you fund a payroll run or pay an invoice, a processing fee applies based on the payment method you use. Fees are always charged to your company — they’re added on top of the contractor’s payout, never deducted from it.
Fees by payment method
- Bank account (ACH) — 1.30% of the amount, capped at $5.00. The lowest-cost option for most payments.
- Debit card — 2.9% + $0.30. Available for payrolls between $100 and $25,000.
- Credit card — 2.9% + $0.30. Available for payrolls between $500 and $25,000.
Other fees
- Failed ACH payment — $4.00 if a bank payment is returned.
- Dispute fee — $15.00 if a charge is disputed.
See the exact fee before you pay
Every payroll run shows a preview that itemizes each cost — the processing fee for each method, plus any FX spread and FX buffer — so you can compare methods and see the full amount before confirming.
Note: ACH is usually cheapest thanks to the $5.00 cap. Cards are a flat percentage with no cap, so they cost more on larger payments.
Warning: Fees can vary by region and account, and the rates above reflect current pricing. The figures shown in your payroll preview are always the exact amounts you’ll be charged.
Last updated: Jun 2026