A service fee is charged for transactions processed through Talo Payments. Like any payment provider, Talo Payments charges fees for processing funds to and from your account. Refunds and chargebacks may also include fees.
We charge payment processing fees each time a payment goes through, and we aim to offer some of the most competitive rates available. Fees may vary based on the payment method used. In some situations, fees may need to be updated. It is your responsibility to check the terms for any changes. We will communicate fee updates clearly. If a Network, processor, bank partner, or regulator enforces a fee change, it may take effect immediately.
Select your region to see the fees:
United States
United States
Credit/Debit Card (excl. American Express): 2.9% + $0.30
Apple Pay (excl. American Express): 2.9% + $0.30
Google Pay (excl. American Express): 2.9% + $0.30
American Express (incl. Apple Pay & Google Pay): 3.7% + $0.30
Point of Sale (POS): 2.5% + $0.30
Tap to Pay: 2.5% + $0.30
Manual Entry / Virtual Terminal: 3.3% + $0.30
American Express Manual Entry: 4.1% + $0.30
Tap to Pay on mobile: 2.6% + $0.20
Afterpay: 6% + $0.30
Affirm: 6% + $0.30
Sezzle: 6% + $0.30
ACH Bank Transfers: 1% (minimum $1.00 per transaction)
Refunded payments: The original processing fee is not returned. No extra refund fee.
Chargeback fee: $15.00 (exceptions may apply)
Canada
Canada
Credit/Debit Card (excl. American Express): 2.9% + $0.30 CAD
Apple Pay (excl. American Express): 2.9% + $0.30 CAD
Google Pay (excl. American Express): 2.9% + $0.30 CAD
American Express (incl. Apple Pay & Google Pay): 3.5% + $0.30 CAD
Talo Payments POS: 2.7% + $0.30 CAD
Interac: $0.15 CAD per transaction
Manual Entry / Virtual Terminal: 3.5% + $0.30 CAD
American Express Manual Entry: 4.1% + $0.30 CAD
Refunded payments: The original processing fee is not returned. No extra refund fee.
Chargeback fee: $15 CAD (exceptions may apply)
EU Countries
EU Countries
Credit/Debit Card (excl. American Express): 1.9% + €0.30
Apple Pay (excl. American Express): 1.9% + €0.30
Google Pay (excl. American Express): 1.9% + €0.30
American Express (incl. Apple Pay & Google Pay): 3.1% + €0.30
Pay Now Online Bank Transfer: 2.5% + €0.30
iDEAL: 2.5% + €0.30
Giropay: 2.5% + €0.30
Manual Entry / Virtual Terminal: 2.3% + €0.30
American Express Manual Entry: 3.5% + €0.30
Refunded payments: The original processing fee is not returned. No extra refund fee.
Chargeback fee: €15.00 (exceptions may apply)
United Kingdom
United Kingdom
Credit/Debit Card (excl. American Express): 2.1% + £0.20
Apple Pay (excl. American Express): 2.1% + £0.20
Google Pay (excl. American Express): 2.1% + £0.20
American Express (incl. Apple Pay & Google Pay): 3.1% + £0.20
Manual Entry / Virtual Terminal: 2.5% + £0.20
American Express Manual Entry: 3.5% + £0.20
Refunded payments: The original processing fee is not returned. No extra refund fee.
Chargeback fee: £15.00 (exceptions may apply)
Passing service fees to customers
You may choose to pass service fees to your customers to cover all fees. Some state laws restrict this, depending on your location or your customer’s location. Before using this option, make sure you understand local laws and Card Network Rules. You are responsible for compliance.
Other payment methods (such as Afterpay, ACH Pay, Cash App Pay) follow separate fee schedules. Check your Dashboard for complete details.
How to pass service fees to your customers:
Go to your dashboard.
Click on the Getting Paid tab
Scroll down to Manage payment methods
Click Manage
Click the Settings tab at the top
Scroll down to Payment Settings
Enable the Pass credit card and ACH fees to clients button