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How to eliminate the 3% credit/debit card surcharge fee

Avoid the 3% card processing fee by paying your SKULabs bill by US bank account (ACH), SEPA, or pre-authorized debit

SKULabs adds a 3% processing fee to invoices paid by credit or debit card. It shows on your invoice as "A 3% processing fee applies to card payments. Save by paying via ACH or bank transfer." Paying by bank account has no fee.

  • The fee only applies when it comes to more than $1.

  • It's waived during your account's first 60 days of billing (shown as "Card payment surcharge waived (first 60 days)").

  • PayPal and Stripe Link payments count as card payments.

  • If no payment method is on file, the invoice shows the fee until you add a bank account.

  • If you're billed through the Shopify App Store, the fee applies and the payment method is managed by Shopify, not SKULabs. Contact the billing team if you'd like to move to direct billing by bank account.

How to switch to ACH (US bank account)

  1. Go to Settings and click Update payment method.

  2. Under Payment Method, choose US bank account.

  3. Enter the billing email and the account holder's full name.

  4. Find your bank and sign in to link the account instantly, or click Enter bank details manually to type in your routing and account numbers (manual entry may take 1 to 2 business days to verify).

  5. Click Update Payment Method.

Payment Method form with US bank account selected, bank search, and Update Payment Method button

The Payment Method form with US bank account selected.

Once the bank account is your payment method, future invoices have no processing fee.

Outside the US

On the same form, choose SEPA Debit (Europe) or Pre-authorized Debit (Canada) instead of a card.

Questions? Contact the billing team at billing@skulabs.com or +1 800-243-2986.

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