Payment methods and card fees

Every sale in Prism is taken against a payment method — cash, card, bank transfer, wallet balance or other — and every method can carry its own processing-fee rule, so the 2-3% the card networks take doesn't silently eat your margin. This chapter covers the fee settings and how card payments fit together.

What you'll do

Set per-method processing fees and decide who bears them: you, or the customer as a surcharge.

You'll need: an owner account.

Steps

1. Open Settings and tap Payment processing fees.

2. Review the method list — cash, card, bank transfer and member wallet each show their current rule as a pill: Customer pays, You absorb, or No fee.

3. Tap a method — card is the usual one — and set the Fee % (for example 2.50) and an optional fixed fee per transaction.

4. Under Who pays the fee?, pick You absorb to eat the cost yourself, or Customer to surcharge it onto the sale total.

5. Tap Save. The rule applies from the next sale.

What you should see

Fee rules showing as pills on the method list, and — where a fee is surcharged — sale totals that include it. Absorbed fees appear in your accounting as cost rather than inflating the sale.

If something goes wrong

• Fee refuses to save — the percentage must be between 0 and 99.99 and the fixed fee can't be negative.
• Customers dispute the surcharge — the receipt shows the surcharge line; if that's a poor fit for your market, switch the rule to You absorb.
• Card totals don't match the bank payout — the acquirer's fee came out before settlement. Configure the fee here as absorbed so the books expect the net figure.
• Wallet shows a fee option — you can set one, but wallet balance was already collected as cash or card at top-up time; most gyms leave wallet at No fee.