Add a card processing fee

By default your gym pays the card processing costs: members pay your listed prices. You can instead pass a 3% card fee on to members. The rate is the same for every gym, and there is nothing to type.

Turn it on

1. Open Billing in the menu.
2. Under Member payments, find the Member processing fee card.
3. Under the switch, choose Your gym's state. The switch stays greyed out until you do, and stays off in a state where the fee isn't allowed.
4. Switch on Pass the card fee on to members. It saves straight away.
5. Read the words under the switch. One sentence says where the fee is added: only to credit card payments, on memberships Shindo charges and on sales on Shindo's payment page. If your memberships are on Shindo's billing, an example shows what a $225.00 membership's next monthly payment on a credit card charges with the fee, and how much of that is the fee.

The fee is 3% of the price, and it is never more than Stripe's standard cost of the card payment. On a very large payment (above about $2,307) the fee is capped at that cost, so it comes to a little under 3%.

What members see

The fee is added only to credit card payments, in every state: memberships Shindo's billing charges, and sales on Shindo's own payment page. Debit and prepaid cards pay no fee, and neither do cards Stripe does not identify.

Where the fee can be added, the price shows its credit card price beside it before the purchase, for example "$120.00 / month, or $123.60 by credit card". The second amount is exactly what a credit card is charged: the same calculation the payment uses. A debit or prepaid card pays the first amount. You'll see it on memberships Shindo charges (the plans in the member portal, the current plan and the next payment, the front desk's payment links and the counter sale page), and on Shindo's payment page. Price change notices, renewal reminders and pause emails that name a payment not made yet show it too. Receipts don't change. With the switch off, prices show exactly as before.

• Memberships on Shindo's own billing, which is how every gym that joins now is set up: the fee is never on the payment a family makes when they join. It is added to each automatic payment Shindo takes from a saved card after that, only when the card is a credit card and the family's agreement included the fee (families who joined while the switch was on). The fee shows as its own line on the receipt. The agreement they see above the Pay button names it, and the member's portal shows a membership on offer with its credit card price beside it.
• Sales on Shindo's own payment page (class packs, shop items, event tickets, pay links and front desk sales, at a gym whose sales go there): the price shows "or ... by credit card" beside it, and the fee is added only when the card is a credit card.
• Sales on Stripe's payment page (class packs, shop items, event tickets, pay links and front desk sales, at most gyms): no fee. Stripe's page can't tell a credit card from a debit card before the payment, so the family sees one price and pays that price, whatever the card.
• Memberships still billed by Stripe (a gym that joined before Shindo's own billing): no fee is included in a new membership's price. With the switch on, the card says so: "Memberships Stripe bills carry no card fee."

Credit cards only

Every second price reads "by credit card", because the fee is added only when the card is a credit card. Nothing on Stripe's payment page carries the fee, so no price reads "or ... by card".

When a family buys several event tickets at once on Shindo's payment page, the order's fee is never more than each ticket's own fee added up, so the order never costs more than the number of tickets times the price shown beside each one.

Members who already signed up

It depends on which billing the membership is on.

On Shindo's billing, the switch is read at each payment and the fee from the family's agreement. Turning the switch off stops the fee from the next payment, for every family. Turning it on adds the fee only for families who join from then on, because only their agreement includes it.

On Shindo's billing there is nothing to move: the fee is never part of the price, and families who joined before you turned it on don't pay it. On Stripe Billing, a new membership's price never includes the fee. A member who joined when the fee was included in the price keeps paying that price: Shindo doesn't change it by itself. On Plans / Shop, such a membership's row shows Update N to the new price, because a new member pays less. Updating moves them to the price without the fee, with at least 10 days' notice. See Change a price, and move current members to it.

Your gym's state

The switch asks for your gym's state first. The card fee stays off in places whose law doesn't allow it as Shindo charges it: Connecticut, Maine, Massachusetts and Puerto Rico (no card fees), Oklahoma (a cap below 3%), and Colorado (Shindo doesn't show the notice Colorado requires yet).

New York is allowed. New York's law lets a gym add a fee to credit card payments when the total price for paying by credit card is posted, and Shindo posts it beside every price that can carry the fee. To turn the fee on in New York, choose New York as your gym's state on Billing, then switch on Pass the card fee on to members.

In New York, as everywhere, the fee is added only to credit card payments on memberships Shindo charges and on Shindo's payment page.

Your responsibility

Card network and state rules on passing fees to customers are yours to follow, as the merchant of record. Visa asks a merchant to tell its card processor in writing before it starts adding a fee to credit card payments; for a gym paid through Shindo that is Stripe. Check what applies where you are before you turn this on. When you refund a payment that carried the fee, refund the fee too (refund the full charge in Stripe).

Related: Let members pay you (connect Stripe), Your Shindo plan and what it costs, Change a price, and move current members to it.