WooCommerce
+ Payment Method Fees & Conditional Surcharges Add-on

Running an online store or subscription platform means absorbing 2.9% + $0.30 (or higher) on every single credit card transaction. On high-margin or recurring membership subscriptions, these payment processing fees quickly erode your net profit.

The WooCommerce Payment Method Fees & Conditional Surcharges Add-on gives store owners full financial control. Instead of raising storewide prices or absorbing high interchange costs, you can conditionally add a convenience fee to credit cards while offering a 0% surcharge incentive for customers paying via ACH Direct Debit or Bank Wire. Best of all, it works natively across the entire recurring billing lifecycle of WooCommerce Subscriptions.

1. Shopper Selects Payment Method: The customer visits your WooCommerce checkout page with qualifying tagged products (such as a recurring membership).
2. Real-Time Dynamic Recalculation: Selecting a standard credit card gateway triggers an instant AJAX fee calculation (e.g. +3% on the eligible item subtotal).
3. Zero-Fee Exemption for ACH / Bank Transfer: If the customer switches to Direct Bank Transfer (BACS) or ACH, the add-on immediately clears the surcharge line, displaying a $0.00 fee.
4. Order Finalization & Receipt Breakdown: The convenience fee is logged as a standard WooCommerce fee item, saved to HPOS custom tables, and itemized on the invoice.
5. Automated Subscription Renewals: When WooCommerce Subscriptions generates recurring renewal orders via Action Scheduler, the add-on inspects the stored payment token and applies the fee automatically.