ACH Processing Fee

This article will show you how to create an ACH Processing Fee. ACH processors charge businesses a certain percentage to process their transactions. Sometimes, the business wants to pass this cost on to its customers. Point of Rental has a specific way of handling this. Your system must be integrated with Stripe to use this feature for ACH payments.

Topics Included in This Article

• Creating a Processing Fee Item

• ACH Fees From Consumer Portal

• Reporting ACH Processing Fees

Creating a Processing Fee Item

The only ACH Processing Fee reporting will come from this item.

1. Follow the path below for your product.

   • Expert: Program Menu > File Maintenance > Item File

   • Elite: Configuration Gear > File Maintenance > Item File
      

2. When you're in File Maintenance, click on ‘Add Item’. The item must be created with the following specifications.
   
    

   Item Key	The Key must be ‘ACH-FEE’ or ACH-FEE-#, where # is the Store Number. This is so that you can track the revenue from the fee per store, as well as if you need to change different fee amounts
   Type	Sales-Normal
   Qty	99,999
   Sell Price	Place the fee that you want to charge.  For example, if you want to charge a 3% fee, enter 3.00 in the Sell Price field.
   Under the Options tab	Check the box to state that this is a ‘Bulk Item.’ Specify if this item is taxable or nontaxable Item should be marked as Suppress fulfillment and Item Availability.

    

   For Elite versions 2025.12 and above: A special rate can be set for an ACH fee item for a customer only.  The special rate must be set in the sell price field on that screen.  That dollar value corresponds to the percentage that would be charged. To exempt a customer completely, set 0.00 in this field.

    

ACH Fees From Consumer Portal

ACH payments can only be made from consumer portal.  Elite will pass the percenatge to the portal to be calculated and displayed within the payment screen.

Once the payment is made, the ACH processing fee and any applicable taxes will be applied to the contract. Any subsequent ACH payments will be added to the ACH processing line item. The system adds this item during the ACH payment process and does not have to be added.  If paying multiple contracts or a closed contract, a new, automatically closed contract will be created to account for the ACH fee amount, just as when making an account payment.

 Reporting ACH Processing Fees

The ACH Processing Fee will only be reported through this item. It's recommended that you create a separate category to track these fees. Check out our article on creating Item Categories for more information on how to create and assign item categories.