How to Add Credit Card Payment Extra Fees in WooCommerce

Every credit card transaction costs you money. This use case helps you automatically apply a surcharge to credit card payments to cover those processing fees.

Overview

By charging a small percentage-based fee on credit card payments, you can recover payment gateway costs without affecting your base pricing. (Plugin Feature: Payment Method Fees)

Business Impact Example: Many stores using this approach have successfully offset 2% gateway fees, protecting their margins without discouraging customers, especially when alternative payment options are available.

Preconditions

• Extra Fees plugin is installed and activated.
• Multiple payment gateways are enabled and configured

Steps (Basic Flow)

1. Go to Dashboard > Extra Fees
2. Click Add New Fee
3. Set the fee name: Credit Card Surcharge
4. Set Fee Type to: Percentage
5. Enter Amount: 2%

6. Under Conditions, choose Payment Method , then select Credit Card

   

7. Click Save Fees

8. At checkout, customers selecting a credit card will see the surcharge applied automatically

   

Alternate Flow

• If a customer chooses another non-credit card payment method, no surcharge will be applied.

Expected Outcome

• Helps you recoup gateway fees and maintain net profitability per transaction