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How much does it cost to accept credit card payments through FreshBooks?

The transaction fees to accept credit card payments through FreshBooks are:

  • For VISA/ MC: 2.9% of the transaction total + $0.30
  • For AMEX: 3.5% of the transaction total + $0.30

That’s it! There are no setup fees, no monthly fees, no minimum charges, no extra fees for validations or failed transactions.

However, if your Client decides to issue a chargeback (which are different from refunds - then you do incur a fee of $15. If the dispute is resolved in your favor, the fee will be refunded.

Why is using AMEX so expensive?

We’re always working to bring our costs down, and pass the savings on to our customers. Unfortunately, processing American Express cards is simply more expensive, and because of that we need to charge slightly more for it.

Note: Do you bill over $10K a month? You might qualify for lower transaction fees. Give our dedicated Payments Team a shout at or call toll-free: 1-866-336-0727