Payment Fee Details
Last updated June 28, 2026
This page discloses the standard ShopWrk Pay processing fees a shop pays when it accepts payments through ShopWrk and our payments partner, Finix. Review and accept these fees before enabling payment processing. Version 1.0, effective June 28, 2026.
Standard processing rates
These are the standard rates for a new ShopWrk Pay account. The rate that applies to a transaction depends on how the payment is taken:
- Online card payments — invoices, deposits, and recurring autopay: 2.9% + $0.30 per transaction.
- In-person card and Tap to Pay payments — when card-present acceptance is enabled for your account: 2.7% + $0.15 per transaction.
- ACH / bank account payments: 1.0% per transaction, with a $1.00 minimum and a $6.00 maximum. Secure bank-account verification is included.
- Instant payout — optional, to receive eligible card funds early: 2.0% of the payout amount. Standard payouts are included at no extra charge.
There is no monthly fee and no setup fee to use ShopWrk Pay. The percentage rate already includes the card networks' interchange and assessment costs — there is nothing extra to calculate.
Dispute, refund, and return fees
- Disputes and chargebacks: $25.00 per dispute. This applies whether or not the dispute is ultimately resolved in your favor, because the card networks charge a fee to process it.
- Refunds: ShopWrk does not charge an additional fee to issue a refund. The original per-transaction processing fee is not returned.
- ACH returns: a returned bank payment (for example, insufficient funds or a closed account) is reversed and the original payment is undone. Repeated returns may affect your ability to accept bank payments.
Other terms that may apply
Depending on the services enabled for your account and your risk profile, additional terms may apply, including: settlement and payout timing, reserves or holdbacks, negative-balance handling, and any customer-visible common fees that ShopWrk has approved with the required disclosure copy. These are described in your ShopWrk Pay agreement or order form.
Changes and questions
ShopWrk may update these fees when required by a processor, card network, bank, compliance, or product change. Any update will be communicated through your agreement, the onboarding flow, your admin settings, or another written notice before it takes effect.
Questions about your ShopWrk Pay fees should be sent to support@shopwrk.com before you enable or continue using payment processing.