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Credit Card Processing Fees in X-1FBO

Credit card (CC) processing fees in X-1FBO can be configured in different ways depending on how your operation invoices customers and handles payment types. This guide outlines the two supported setup methods, along with when to use each.

Written by Jessi McCombs

Overview

There are two primary ways to apply CC processing fees in X-1FBO:

Line Item Method

  • Add the fee as a product/service line item

  • Optionally default it onto invoices

  • Adjust or remove at the time of invoicing

Tax Configuration Method

  • Configure the Tax under Pricing → Tax Settings

  • Apply automatically based on system rules

Option 1: Line Item Method

This is the most flexible and commonly used approach.

Setup Steps

  1. Navigate to:
    ​FBO Settings → Products & Services

  2. Create a new Product/Service:

    • Master Name: Admin/Commissions Fee

    • FBO Item Name: CC Processing Fee (or similar)

    • Select Item Type: Service

    • From Request To Invoice: Service

    💡Enable default behavior (optional):

    • From Request To Invoice: Default

How It Works

  • The fee will automatically appear on invoices (if default configured)

  • Users can:

    • Adjust the amount

    • Apply it selectively

    • Remove it if not applicable

💡 This allows partial automation while still giving users control during invoicing

⚠️ Important Notes

  • Percentage-based automation is not fully system-driven

  • Users need to manually input the % amount

Best For

  • FBOs that:

    • Only charge CC fees when applicable

    • Need flexibility per transaction

    • Want staff control at invoice time

Option 2: Tax / Fee Configuration Method

This method uses the Taxes & Fees framework for more standardized application.

Setup Steps

  1. Navigate to:
    ​Pricing → Tax Settings

  2. Create a new Tax:

    • Name: Credit Card Processing Fee

    • Configure as a Goods & Services Tax (or other similar)

  3. Define:

    • Percentage or fixed rate

    • Applicable products or services

  4. Configure Conditions:

    • Globally or based on payment method, customer, etc.

How It Works

  • The fee is automatically applied based on setup rules

  • Works similarly to taxes within the system

💡 Updates to fees behave like pricing/tax changes and do not retroactively update existing invoices

⚠️ Important Notes

  • May apply fees even when not desired (e.g., non-CC payments)

  • Requires careful configuration to avoid unintended charges

Recommendation

For most operations, the Line Item Method is recommended because it:

  • Provides better control at time of invoicing

  • Prevents unintended charges

  • Aligns with real-world payment workflows

Need more help? Contact X‑1FBO Support for further assistance

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