Variable Pricing by Payment Type
Variable Pricing by Payment Type is an add-on module which must be enabled in your system to use. Please see your sales rep or add a support ticket to have this added to your contract.
There can be a different % fee for Card transactions than for Electronic Transfers like ACH. There is no fee for cash/check payments. In some areas of the world, this is a standard practice and in other areas it may not be allowed by your payment processor, so it is important to verify your terms with your processor prior to implementing.
This add on module for Naviga Ad allows for a transaction fee to be charged based on the type of payment being taken. The following are available:
Payments/Invoices Node on a campaign
A/R Module - Pre-Pay an Order
A/R Module - Pay an Invoice
Paylinks
Payments entered in the client portal
Auto-Clear Client balance in A/R
Auto-pay from Campaign header
The following is NOT yet available, and will not result in a processing fee being added - but may be added in a future release:
Classified Self-Service payments
Setup
Once Naviga Personnel have enabled this functionality in your environment, you will see some additional fields on the A/R System Header. (A/R Module -> Setup -> Admin -> A/R System Setup)
Scroll to the bottom to "Credit Card Options" section and see the following new fields (beginning with #2 below):
Add Processing Fee - set this to "yes" to add a processing fee
Processing Fee Description - This is the description that the customer will see on receipts
Processing fee for Card Transaction - set the % amount that will be charged for card transactions (Payment Type = Credit/Debit Card in Payment processing window)
Processing fee for Electronic Transfers - set the % amount that will be charged for electronic transfers. (Payment Type = Electronic Transfer in Payment processing window)
Processing Fee Class Codes for Card Transactions/Electronic Transfers - See Class Code Setup in A/R Module for setup details. The Class Code selected here will determine the G/L allocation for these fees. This can be different per system company.
Reporting on Fees collected
A new report is available to track how much has been collected in payment processing fees
Navigate to A/R Module -> Reporting -> Payment Processing Fees
The top portion will show a graph of the fees collected in the last 13 months
For detailed transactions, select desired date range and click select data and the report will display with the columns selected in Configure output tab.
Displaying fees on Order Confirmations, Invoices and Statements
Many new merge tags have been created to give sites flexibility in how these fees are displayed on the various forms that go out to customers. In some parts of the world, these are very clearly described as Processing Fees and are displayed as such on the forms. In other areas of the world, prices are grossed up and the surcharge is described as a cash discount and the word "fee" isn't displayed anywhere. Be sure to understand the rules in your region before implementing this option.
Rates/prices in the merge tags for Invoices/Confirmations/Statements now have the original tag, showing the system amount, the original tag with suffix "_CCF" to show that value with the card fee amount added on, and the original tag with suffix "_ETF" to show that value with the electronic transfer fee included. Here is an example:
#AMOUNT_DUE# - This is the Amount Due on the invoice (this has not been changed from what has always been available)
#AMOUNT_DUE_CCF# - This is the above amount with the Processing Fee for Card Transactions added.
#AMOUNT_DUE_ETF# - This is the above amount with the Processing Fee for Electronic Transfers added.
For prepayment values, there are also some new tags.
On Invoices, the tag #PREPAID_AMOUNT# behaves as it always has - it is the prepayment amount that is applied to the campaign. New tags #PREPAID_AMOUNT_WITH_FEE# will display the Prepaid amount plus any fees, and #PREPAID_AMOUNT_FEE# will display just the fee on its own.
On Order Confirmations, the tag #PREPAY_AMOUNT# behaves as it always has - it is the prepayment amount that is applied to the campaign. New tags #PREPAY_AMOUNT_WITH_FEE# will display the Prepaid amount plus any fees, and #PREPAY_AMOUNT_FEE# will display just the fee on its own.
Transaction Details on Fee-Enabled Payments
When a fee is added, the following transactions will be happening in the system.
Example - Client pays for $100 invoice and is charged 3.99 for the transaction.
Payment receipt is configurable, but may look something like this:
When the charge is processed, the system auto-generates a fee transaction invoice and then applies the cash against that invoice.
The details on the payment look like this:
and then within each of the Invoice ID's this can be seen:
This was the actual invoice being paid (was a partial payment of 100
This is the fee transaction:
The actual G/L used in the fee transaction is the G/L linked to the Class Code set on the A/R Setup described above
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