Learn how CommentSold ACH payments, credit card surcharges, processing fees, payment failures, and state compliance affect your shop.
CommentSold offers ACH and credit card payment options for certain shop charges. ACH payments do not incur a surcharge, while eligible third-party pass-through costs paid by credit card may include a processing surcharge based on CommentSold’s actual processing costs and applicable state limits.
Use Setup > Account > Manage Payment Methods to manage your payment methods.
This FAQ guide covers everything you need to know about new ACH payment options, surcharging, including fee calculations, payment options, compliance with state regulations, and more.
Below are answers to common questions about ACH payments, credit card surcharges, payment processing, failed payments, and state compliance.
General
Will CommentSold charge a surcharge on my CommentSold fees?
No. CommentSold does not currently charge payment processing fees on CommentSold fees, including monthly subscription fees and commissions, regardless of whether you pay by ACH or credit card.
Your existing CS Payments terms are also unchanged. CS Payments may still charge payment processing fees for individual transactions.
Does this change affect the processing fees I charge my customers?
No. These changes do not affect the payment processing fees or other charges you charge your customers.
ACH Payment Option
Do I need to authorize ACH payments every time I pay?
No. You only need to authorize an ACH debit when you initially configure your payment method. The authorization remains in effect for future automatic payments when ACH is selected as your payment method.
How long does an ACH payment take to process?
ACH debit payments typically take 3–5 business days to process, excluding weekends and holidays.
What happens if my ACH payment fails?
If an ACH payment fails, CommentSold may attempt to reprocess the transaction or charge your backup payment method, if one is configured.
Surcharging Fee
When does a credit card surcharge apply?
A surcharge may apply when you use a credit card to pay certain third-party pass-through costs, such as:
- Shipping label costs and shipping adjustments.
- Dropship order charges paid using a payment method other than CS Payments or Klarna.
Dropship order costs that were previously charged to your CS Payments account must be paid using ACH or a credit card. ACH payments do not incur an additional surcharge, while eligible credit card payments may incur a processing surcharge.
How can I avoid the credit card surcharge?
Pay eligible third-party pass-through costs using ACH. ACH payments do not incur the applicable credit card processing surcharge.
Does the surcharge apply to debit cards?
The surcharge applies to credit card transactions. Under this payment change, debit cards are no longer accepted for these charges. Customers who previously paid with debit cards can use ACH debit instead.
Does the surcharge depend on which credit card I use?
No. The surcharge is not based on the type of credit card you use. However, the amount may vary based on CommentSold's actual processing costs and the state associated with your billing address.
Will I be charged the surcharge again if I retry a failed payment?
No. You only pay the applicable surcharge once. If the first payment attempt fails, the surcharge will be included when the payment is successfully processed on a subsequent attempt.
Is the surcharge included in the total charge?
Yes. The surcharge is included in the total charge and appears as a separate line item on applicable CommentSold charges.
Is the credit card surcharge a fixed 3% fee?
No. The surcharge is not a fixed 3% fee. The applicable fee is the lesser of CommentSold's actual processing costs or the maximum fee allowed in your state. CommentSold does not profit from the surcharge.
Compliance
How does CommentSold determine whether a surcharge is allowed in my state?
CommentSold uses a third-party provider to calculate applicable processing fees and help ensure compliance with state regulations. If your state prohibits processing fees, CommentSold will not charge you the applicable fee.
Because state laws can change, the third-party provider updates the fee calculation based on the latest applicable regulations.
What happens if I move to a state where credit card surcharges are prohibited?
The state associated with the billing address on your credit card determines which state surcharge regulations apply to your charges.
If you move to a state where the fee is prohibited, update the billing address associated with your credit card.
Do I need to change my accounting practices because of the surcharge?
Consult with an accounting professional to determine how these charges should be handled for your business.
How do I dispute a surcharge that I believe was charged incorrectly?
Contact CommentSold Customer Support if you believe a surcharge was applied incorrectly.
Prepaid Credits
Can I prepay credits to avoid the credit card surcharge?
You can add prepaid credits for shipping labels before the change takes effect. However, CommentSold does not accept prepayments for other third-party pass-through costs.