Credit Card Fees: Give Clients Option to charge to customer

🐞 Problem:

Currently, all credit card processing fees are absorbed by our clients for transactions made via credit card on the platform.

⚠️ Why is this a problem:

Many of our clients would prefer to pass these processing fees onto their customers instead of covering the cost themselves. Without this flexibility, they are forced to take a financial hit on every card transaction, which adds up over time.

✅ Solution:

We want to give clients the ability to choose whether or not to pass credit card fees on to their customers. This feature should include:

1. Toggle Control

   • Allow the client to turn this setting on or off at any time from within AIO Pay settings.

2. Custom % Selection

   • Clients should be able to choose the % amount of the fee to pass through (e.g. 3.0%, 3.5%, etc.).

3. Display to Customer

   • When enabled, the fee should be clearly shown to the customer at checkout as a separate line item labeled something like “Credit Card Processing Fee.”

     • info marker: "This fee will be charged directly to your customer"

4. Transaction Reporting

   • All passed-through fees should be reflected in reporting, including whether the fee was paid by the customer or absorbed by the client.

5. Permissions & Visibility

   • Only users with Superadmin permissions should be able to change these settings.