Zoho Fees Explanation

ACH Fees (U.S.)

eCheck Debit – Per Transaction Fee

Charged per each successful ACH sale transaction.

eCheck Credit – Per Transaction Fee

Charged per each successful ACH credit/disbursement transaction.

eCheck Debit – Per Reject Fee

Charged per each returned/failed ACH sale transaction.

eCheck Credit – Per Reject Fee

Charged per each returned/failed ACH credit/disbursement transaction.

eCheck Debit – Daily Discount Fee

Percentage fee charged on the total ACH sales funded; merchant will be funded less the amount of the daily discount fee.

eCheck Credit – Monthly Discount Fee

Percentage fee charged on the total ACH credits/disbursements funded.

eCheck Chargeback – Per Transaction Fee

Charged per each unauthorized return (account holder disputes charge or has debit block enabled).

Early Fund – Per Transaction Fee

Merchant has requested that a specific transaction or batch is funded more quickly.

eCheck Reversal – Per Transaction Fee

Merchant has requested a transaction reversal that was submitted in error before it has settled.

eCheck Retrieval – Per Transaction Fee

Also referred to as a WSUPP, merchant has requested a copy of the written statement the account holder made to their bank to dispute/chargeback the transaction.

eCheck Recall – Per Transaction Fee

Merchant has requested a recall on a transaction that has already been funded in error; ex. merchant submitted payment to the wrong account.

eCheck Excess Return – Per Item Fee

Merchants rate of returns/rejects has exceeded 40% and fee will be applied to each return/reject in addition to the normal reject fee.

Validate Fees (U.S.)

Validate – Per Transaction Fee

Transaction fee for Validate product. Charged in addition to the ACH transaction fee. This service is required for merchants processing WEB/Ecommerce ACH transactions.

Validate – Monthly Fee

Monthly fee for Validate product. This service is required for merchants processing WEB/Ecommerce ACH transactions.

Credit Card Fees (U.S.)

Card – Discount Rate (Visa/Mastercard/Discover)

Percentage fee charged for Visa, MasterCard, and Discover transactions.

Card – Per Transaction Fee (Visa/Mastercard/Discover/AMEX)

Transaction fee charged per each credit card transaction.

Card – AMEX Discount Fee

Percentage fee charged for American Express transactions (in lieu of the rate for Visa, MasterCard, and Discover).

Card Chargeback – Per Transaction Fee

Charged per each unauthorized return (account holder disputes charge).

PCI Compliance Monthly Fee

Monthly fee charge for access to PCI portal designed to help merchants complete industry required Payment Card Industry Data Security Standard assessment.

PCI Non-Compliance Monthly Fee

Monthly fee charged each month that merchant has not completed their Payment Card Industry Data Security Standards assessment.

Other Fees (U.S.)

Per Bank Account Change Fee

Per occurrence fee charged each time that the merchant request to change their own bank account on file.

Account Re-Activation Fee

Per occurrence fee charged if merchant asks to reopen their account after it has been closed.

Gateway – Monthly Fee

Monthly fee charged for gateway access.