Ezypay provides merchants with the flexibility to configure who pays the fees — either the customer or the merchant. Merchants can specify their preference in the merchant application form, ensuring that the fee structure aligns with their business model and customer experience goals.

Types of fees

Fee	Application
Load Fee	Applied to a new customer registering with Ezypay, charged on the first successful debit.
Transaction Fee	Charged on every debit attempt, regardless of success or failure.
Failed Payment Fee	Applied for each failed debit attempt.

How fees are charged and collected

To illustrate how fees impact transactions, consider a $100 gym membership fee with a $2 transaction fee and a $1 load fee. Tables below illustrates the behaviour for different fees configuration:

Stages	Scenario 1: All Merchant paid fees	Scenario 2: All Customer paid fees	Scenario 3: Transaction Fee Customer Paid, Load Fee Merchant Paid
Invoice creation	Merchant creates an invoice for $100 with Ezypay.	Merchant creates an invoice for $100 with Ezypay.	Merchant creates an invoice for $100 with Ezypay.
Payment from customer	The customer is debited $100 (consistent with membership fee).	The customer is debited $103 ($100 membership + $2 transaction fee + $1 load fee).	The customer is debited $102 ($100 membership + $2 transaction fee).
Merchant receivable	Ezypay deducts $2 as the transaction fee and $1 as the load fee. The merchant receives $97.during settlement	Merchant receives $100during settlement.	Ezypay deducts $1 (load fee), and the merchant receives $99 during settlement

Key insights

If fees are merchant paid, customers are charged only the membership fee.
If fees are customer paid, customers are charged an additional amount, which must be clearly communicated to maintain transparency.
Hybrid configurations (e.g., some fees paid by the merchant, others by the customer) affect both the customer’s charge and the merchant’s settlement amount.

To ensure transparency and prevent disputes, it is critical to display customer-paid fees during sign-up. Customers should be well-informed about any additional costs beyond the base invoice amount. Ezypay offers an API endpoint to retrieve and display these fees dynamically: Retrieve Ezypay Customer Paid Fees

Fees stacking

Ezypay fees are charged on every transaction attempts, regardless it is success or fail. As such, the fees will stack if there are multiple attempts on a single invoice.

Showing how fees stack for a single invoice — Fees stacking for one invoice