With the Change Commerce app, you can choose to use either a credit card or an ACH (standard US-based bank account) to pay for invoices for donations. If you choose to use a credit card for your payment method, there will be a credit card fee of 2.9% + 30¢ on your overall invoice total.
Example: If a merchant has total donations on $48.50 and $2.00 in transaction fees at the time of invoicing, 2.9% would be calculated from the overall invoice amount plus the additional 30¢. The total that the merchant would now owe is $52.26.
In addition to the credit card fee of 2.9% + 30¢, merchants are still responsible for paying the full donation amount and transaction fees that are included in their invoice. Similar to paying with an ACH, if an order does not generate a donation, then no charges will occur for that order.