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Payment gateway fee's

Posted: April 28, 2016 at 10:09 am


Pim Stumpel

April 28, 2016 at 10:09 am

Hi!

I am using the latest versions of EE4 for my core + add ons.
Now i am using the payment option, but was wondering how i can make sure that when people choose for a payment option, the price of the total amount changes.

For example i have 2 payment gateways:
Ideal: each customer needs to pay 0.25 cents extra + a percentage of the total amount if they choose to pay by ideal
and
Stripe: each customer needs to pay 0.35 cents extra + a percentage of the total amount if they choose to pay by Stripe.
As those are the costs for the systems to use per transaction.

So i can’t change the ticket selector price as i don’t know which payment option they will choose.

I am using Woocommerce as well, and for woocommerce i found the following plugin to add an amount on the check out page per choice. It is the:
“WooCommerce Pay for Payment

Setup individual charges for each payment method in woocommerce.
Version 1.3.7 | By Jörn Lund”

I was wondering what i can do to make sure the same applies to Event espresso. Can i maybe change the code of the plugin above? Or use some of the code from the plugin above? Or do you have some code for me which does the same, i am not afraid to add code in Filezilla:)

Cheers!


Josh

  • Support Staff

April 28, 2016 at 11:02 am

Hi Ruby,

Since adding the fees based on the selection of the payment method typically violates the terms of service for payment providers, we do not support this.

We do have some readymade code examples that show how to add additional line items, you’ll note that they do not add fees based on the selection of a payment method. A PHP developer could use those examples as a starting point and build something to add fees based on a payment gateway choice, but again we do not officially support a feature where it would violate terms of service.


Pim Stumpel

April 28, 2016 at 11:17 am

Hi Josh!

Thank you for your quick response! I am a bit surprises as i read in some of the other support tickets that you guys were planning on adding this feature in the future.
I also saw some code in another ticket which already gives the option to add a percentage depending on which payment they choose, from one of you colleagues. The reason i contacted you is because i not only need to add a percentage but also a fixed amount per item.
Hope you can reconsider helping me out,

Cheers!


Josh

  • Support Staff

April 28, 2016 at 12:27 pm

The other code you saw was for adding a fee if it’s the invoice payment method, which does not violate any payment provider’s terms of service. Along with that, we’re not planning on adding a feature that will add fees to a transaction if an online payment method is chosen.


Pim Stumpel

May 3, 2016 at 5:56 am

Hi Josh,

Thank you for your reply! I also found code which was for credit card options, but as i understand you guys don’t want to support this, which i can understand (partially).
I don’t really understand why it is against the terms and conditions of the payment gateways to add the surcharge. Both payment gateways offer a “product” which is there payment service, so why can’t my clients see what the price is for each product? Also for us the clients mainly don’t really have a choice when they are from another country then the Netherlands. As then they immediately will need to pay with Stripe as they don’t have a dutch ideal bank account. And all Dutch clients prefer to pay with ideal.

I was wondering if you maybe have another tip for me regarding these payments then. As i am using Ideal and Stripe and if i make multiple tickets for one of each payment from which the clients can choose in the ticket selector, it is still fraudfull/errorfull. As the client will choose for the cheapest ticket and then in the end can still choose to pay with another payment option. Which means it will take me extra work again as i will need to send a separate invoice after that to make sure all the costs are covered. The reason i want to use Event espresso and event espresso payments is to make sure i have less work instead of more work.:(

I am not sure how to handle this as i can not add a standard price to tickets as it will not be fair to people paying with one of the payment gateways instead of the other as it might be cheaper. Adding a standard surcharge to all prices would mean people are paying to much.
Other then that it is almost impossible to do this as our prices are very different. One event costs 200 euros another one can cost over 2000 euros.

For both payment gateways we need to pay a % and next to that we need to pay a small fixed amount per transaction. The percentage for each payment gateway is different ofcourse, which makes it harder to find a solution.

So in case you have any ideas how i can make sure i am not losing money on the payment gateways. (as that is the case right now) Please let me know:)

Cheers!


Lorenzo Orlando Caum

  • Support Staff

May 3, 2016 at 7:44 am

Hello,

It may depend on the payment processor. For example, the PayPal agreement mentions that you should not charge a fee for using PayPal (https://eventespresso.com/topic/you-can-make-a-payment-here-link-not-working/#post-201003).

You could add a percentage based admin fee through the event editor.


Lorenzo


Pim Stumpel

May 3, 2016 at 8:07 am

Hi Lorenzo,

Thank you for your message, i am using Ideal & Stripe. I know stripe accepts an additional fee as they tell me to just add the amount to my product. Do you know if Ideal accepts it?
And if so how can i add this percentage based admin fee? So it only applies on the selected payment gateway?

Cheers,


Lorenzo Orlando Caum

  • Support Staff

May 3, 2016 at 8:28 am

Hi Pim,

You can set an admin fee on a per-ticket basis. There isn’t a way to set it up as you described without some custom coding.

You can reach out to a developer here:

https://eventespresso.com/developers/event-espresso-pros/


Lorenzo


Pim Stumpel

May 3, 2016 at 8:39 am

Hi Lorenzo,

Ok so if i understand correctly, what you are saying is 1 have 4 choices:
1. Making all my prices higher even though it would not be fair for clients as some will pay more than they should.
2. Make separate tickets with indivual prices even though a client can choose the cheapest ticket and later on pay with the more expensive option, which results to me having to send them separate invoices
3. loose money as i can’t set the option per payment gateway
4. hire one of your developers to make custom coding but to do that pay a crazy amount of money as well?

Cheers,


Pim Stumpel

May 3, 2016 at 8:40 am

I just find it hard to understand that i am the only client of yours with this problem. Are other people just choosing to loose money either way?


Lorenzo Orlando Caum

  • Support Staff

May 3, 2016 at 8:46 am

Hi Pim,

We are flexible on support and we have shared feedback on some ideas on handling this. Please note that custom coding is not included in your support license.

We do provide a starting point where possible such as the examples that Josh shared but this isn’t something that we can create for you.


Lorenzo


Pim Stumpel

May 3, 2016 at 8:47 am

last but not least if you book an airplane ticket online the prices change as well by choosing every option of payment, other then that first i heard from you guys that you could not help me because it was forbidden by the payment gateway. Now i turns out that it is not forbidden and still you can’t help me:( I can’t imagine that this takes a lot of code to make it happen:(


Pim Stumpel

May 3, 2016 at 8:49 am

Hi Lorenzo,

Thanks for the quick response! I am really sad to hear this, as i just don’t understand how other people do this. Isn’t it strange that i buy 2 add ons resulting me to cost even more money? Don’t you agree?


Josh

  • Support Staff

May 3, 2016 at 3:10 pm

Hi Ruby,

Other people set their prices to accommodate those fees. For example, this is from Stripe’s Terms of Service:

While you may charge fees for your products or services, you may not impose any fee or surcharge for payment processing on a customer that seeks to use an eligible payment card or misrepresent fees charged for payment processing.

So instead of adding extra fees or a surcharge for payment processing, they build in a similar amount to the actual price of the ticket that covers the fees.


Tony

  • Support Staff

May 3, 2016 at 3:14 pm

Hi Pim/Ruby,

We do understand that you would like this feature, however we can’t support every feature for every user instantly and the feature you are requesting is not something we can provide with a simple snippet of code.

It has been requested by a couple of users (not very many) and we do have it on our radar, however we have much more heavily requested features than this that take priority. That combined with the fact that some payment gateway providers can (and will) suspend your account for adding on a surcharge specifically for using their services means that it is not something we can just throw together without careful planning and research.

The snippet of code mentioned above regarding the Invoice payment method works because there is no 3rd party receiving the payment information and then sending it back EE to confirm.

The other snippet you mentioned (which ‘worked’ with PayPal correct?) did not actually work correctly. Event Espresso has no record of the additional surcharge being added onto the payment so when PayPal confirmed the payment with EE it recognised the additional payment and the transaction showed up as overpaid, to both the admin and the user. You now have a mismatch on the charged record within EE and the charges issued to your payment provider… that’s no good for your audit trail. (that snippet was shared by another user of EE, not ourselves)

The Invoice payment method can be used in a way to allow us to update the registration with a surcharge AFTER the user has selected the payment method and finalized the registration, because it does NOT transmit data to another service.

Its not as easy to do with ‘real’ payment methods that actually charge on the fly for the registration. The surcharge must to tracked along with the registration/transaction and as the payment methods have already been loaded when you select them, there needs to be some form of ajax request to update the payment methods values that are sent to the payment processor when you select the PM so that both EE and the PM ‘known’ about the surcharge. As you can see its already getting more complicated (and this is a really high level overview).

Unfortunately transaction fee’s are an unavoidable cost that every online business (including ourselves) incur. If the additional costs from specific payment methods are too high for yourself to absorb your current option is to increase the value of the ticket to cover those costs by all users. Its not really an issue with it being ‘fair’ it’s a cost that must be covered or absorbed, I would recommend including it within the ticket cost for all users.

If I or any member of the support team could simply put together a snippet of code that could do this properly we would be more than happy to do so, its not that we don’t want to help, but its beyond the scope of something we can provide.

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