Pay by Bank: Surcharge Setup Guide

This feature is optional and not recommended. Passing the fee to customers removes Pay by Bank's biggest advantage — a fee-free checkout — and typically reduces adoption. Before configuring a surcharge, review how Pay by Bank fees work and the return they deliver.

Understanding Pay by Bank Fees →

Legal note: Consult your own counsel on how the surcharge should be handled for revenue reporting and tax purposes before going live.

Step 1 — Back Office

Create the payment fee

Go to Settings → Fees & donations.
Select Add fees/donation in the upper right.
Configure using the settings below, then save.

TypePayment Fee

Payment methodDutchie Pay

EnableOn

Fee typeDollar amount or Percentage — not both

Fee amountEnter your desired amount or %

Step 2 — Ecomm

Mirror the fee online

If your store takes Pay by Bank orders through Dutchie Ecomm, set up the matching fee there too. Keep the amount consistent with Back Office.

Go to Settings → Checkout, enable Consumer surcharge for Pay by Bank, and click Publish.
Go to Store Info → Add Fee next to Payment Fees.
Configure using the settings below, then save.

Payment TypePay by Bank

Fee typeDollar amount or Percentage — match Back Office

FeeSame amount as Back Office

Step 3 — Customer receipt

What the customer sees

The surcharge appears as a line item on the customer's receipt. Since it shows at the end of checkout, notify customers beforehand — either with signage or verbally at the register.

Always use the word surcharge when talking about this fee with customers. It's the standard and legally accurate term.

Reporting

Where to find surcharge data

The surcharge is included in the customer's transaction total and paid out as part of your regular daily deposit — not a separate payout.

Report	What it shows	Where to find it
Closing Report	Daily fee totals under Revenue Fees or Non-Revenue Donations (depends on setup)	Reports → Closing Report
Fee/Donation Transactions	Line-by-line fee breakdown per order — use to validate daily fees	Reports → Marketing → Fee/Donation Transactions
Sales Report	Payment Fee (surcharge) and Processing Fee side by side on the Pay by Bank line	Reports → Sales Report

Reading the Sales Report

Go to Reports → Sales Report.
Select your location and date, then run the report.
Scroll to the bottom and change the dropdown to Payment Types.
Click the Pay by Bank line and scroll right — Payment Fee is the surcharge, Processing Fee is what Dutchie deducts.