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The cost of accepting credit & debit card payments through ServiceM8 Pay is on a pay-as-you-go, per-transaction basis. Processing fees vary depending on your country, the type of card being used, and your ServiceM8 subscription plan. With ServiceM8 Pay, the payout speed for receiving deposits in all regions is the next business day i.e. on an ongoing basis, payments received over the course of a day will be grouped into a single payout, and deposited to your nominated bank account the next business day. ServiceM8 Pay is available in Australia, Canada, New Zealand, the United Kingdom, and the United States — see below to learn the fees in your country:

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Australia

PlanCard typeFee
Premium PlusStandard Domestic1.49% + 30c
PremiumStandard Domestic1.49% + 30c
GrowingStandard Domestic1.65% + 30c
StarterStandard Domestic1.85% + 30c
FreeStandard Domestic2.10% + 30c
All PlansInternational & American Express***3.70% + 30c

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Canada

PlanCard typeFee
Premium PlusStandard Domestic2.69% + 30c
PremiumStandard Domestic2.69% + 30c
GrowingStandard Domestic2.85% + 30c
StarterStandard Domestic3.10% + 30c
FreeStandard Domestic3.30% + 30c
All PlansInternational & American Express***3.90% + 30c

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New Zealand

PlanCard typeFee
Premium PlusStandard Domestic2.49% + 30c
PremiumStandard Domestic2.49% + 30c
GrowingStandard Domestic2.65% + 30c
StarterStandard Domestic2.90% + 30c
FreeStandard Domestic3.10% + 30c
All PlansInternational & American Express***3.90% + 30c

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United Kingdom

Card typeFee
Standard Domestic1.65% + 20p
Premium Domestic*2.10% + 20p
International (EU)**2.70% + 20p
International & American Express***3.45% + 20p***
*Standard domestic cards include consumer cards issued by Visa, Mastercard, and other major providers, while Premium Domestic cards are commercial, corporate, or business cards issued by Visa and Mastercard. A card’s classification is based on information available from card networks at the point of capture. ** International (EU) cards are those cards issued in the European Economic Area (EEA), including Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden. *** International & American Express — the ability to accept Amex card payments with ServiceM8 Pay is optional. To activate, or deactivate, the ability to take American Express cards with ServiceM8 Pay, in your Online Dashboard, go to Account > Settings > Preferences > Invoicing > Card Payments, and toggle the checkbox next to ‘Accept American Express and International cards (higher fees apply). This setting is OFF by default.

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United States

Card typeFee
Standard Domestic3.05% + 30c
International4.60% + 30c
In the United States, American Express cards are charged at the Standard Domestic rate (provided it’s a US-issued American Express card).
The fees in all countries listed above are current as of September 2024.

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Receiving your first payout

Keep in mind that it’s normal to take 7-14 days to receive your very first payout. This initial delay is for risk management purposes. On an ongoing basis, payments will be grouped into a single payout, and deposited to your nominated bank account the next business day, minus any processing fees.

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Passing on processing fees to clients

It’s possible to pass on card processing fees to your clients, as a surcharge on the invoice amount. You can choose to always add a processing fee surcharge, or only add the surcharge for payments above a certain threshold. Should you choose to automatically add card processing fees, please ensure you comply with any local laws relating to the addition of processing fees to card payments. For more information, see How to pass on card payment processing fees.

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Card dispute fees

A dispute (also known as a chargeback) occurs when a customer questions a payment made with their card, with their card issuer (e.g. their bank). To process a chargeback, the card issuer creates a formal dispute on the card network, which immediately reverses the payment, pulling the money for the payment while the issuer reviews the dispute, and imposing a network dispute fee i.e. the payment will be withdrawn from your processing account, and you’ll be charged a dispute fee. Dispute fees are non-refundable, regardless of the dispute outcome. Please see below for the dispute fee per chargeback, in your country:
CountryFee per disputed payment
Australia$25 AUD
Canada$15 CAD
New Zealand$25 NZD
United Kingdom£15
United States$15 USD

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PayTo & PayByBank

If you’re in Australia or the UK, ServiceM8 Pay also includes the following payment options when clients pay online, which have different processing fees to credit & debit card payments — click the links to learn more:
Last modified on March 11, 2026