The rates
These are Commit’s standard rates, and they always include everything: Stripe’s processing cost and Commit’s platform fee. There is no separate charge on top. If your club has negotiated custom pricing, your percentages differ but the math below works the same way.
Cards (and Apple Pay / Google Pay)
| Country | Rate per transaction |
|---|---|
| United States | 3.7% + $0.20 |
| Canada | 3.9% + C$0.20 |
| United Kingdom | 2.8% + £0.20 |
| Australia | 2.9% + A$0.30 |
| Hong Kong | 4.7% + HK$2.35 |
Bank payments (direct debit)
| Country | Method | Rate per transaction |
|---|---|---|
| United States | ACH | 1.7%, no per-transaction charge |
| Canada | Pre-authorized debit | 1.9% + C$0.40 |
| United Kingdom | Bacs | 1.9%, no per-transaction charge |
| Australia | BECS | 1.9% + A$0.30 |
Bank payments cost families and clubs roughly half of what cards do, which is why many clubs encourage ACH as the default payment method.
Absorb the fees, or pass them on
Both options are one club-wide switch. With a $100 invoice and US card rates:
- Absorb (switch off): the family sees and pays exactly $100. Stripe deducts the fee from the payment, and your club receives $96.10 (fee: $3.90).
- Pass on (switch on): the family sees $100 plus a Service fees line and pays $104.05. Your club receives the full $100.00.
The passed-on fee ($4.05) is slightly more than the absorbed fee ($3.90). That is not an error: when the family covers the fee, the fee itself gets processed too, so the amount is grossed up so that your club nets the exact invoice amount.
For the same $100 paid by ACH instead: absorbed, the club receives $98.30 (fee: $1.70); passed on, the family pays $101.73 and the club receives $100.
The formulas, for treasurers who want to check the math (rate and fixed charge from the tables above):
- Passing on: family pays
(amount + fixed charge) ÷ (1 − rate); the fee is the difference from the invoice amount. - Absorbing: fee =
amount × rate + fixed charge, deducted before payout.
Where to set it
-
Team-wide default: go to Settings → Team and scroll to Team preferences. Turn on Pass on service fees. Its ⓘ tooltip reads “When enabled, service fees will be added to member payments.” Click Save on that section. This default applies to program enrollments, registration checkout, meet entry invoices, and new invoices.
-
Per invoice: every Create invoice dialog has its own Pass on service fees toggle, prefilled from your team setting. Flip it either way for that invoice alone; the Service fees line and invoice total update before you create anything.
-
If the account has credit, the credit is applied first and fees are calculated on what actually gets charged.
Commit Swimming - Team The rates and rules are the same everywhere. In the Commit app, the Create invoice flow has the same Pass on service fees toggle with the same live fee preview, and the team-wide switch is under Settings → Team → Team preferences, same as the web app.
Check the rules where you operate
Rules about passing fees on to families vary by country and state. When the switch is on, a note under it asks you to confirm with legal counsel that this is allowed where your club operates.
Some places regulate it more heavily. If your team is located in California, Connecticut, Maine, Massachusetts, Puerto Rico, Quebec, Australia, the United Kingdom, or a European Union country (plus Norway, Iceland, and Liechtenstein), turning the switch on first asks Before you pass on service fees. It recommends talking with legal counsel before you continue. Click Turn on to go ahead, or Cancel to keep absorbing the fees. In those places the note under the switch is a highlighted warning instead of a plain reminder.
The note and the check are reminders. Your legal counsel has the final word on what your club may do.
How Commit knows which rate to use
- Autocharge invoices use the family’s default payment method on file: a saved bank account gets bank rates, a saved card gets card rates.
- Request payment invoices calculate fees for the payment method you pick in the dialog (Card by default). If a family pays a card-rate invoice with their bank account anyway, the invoice amount does not change.
- Registration checkout and enrollments follow your team switch. Families on a recurring plan see their price listed as an amount ”+ fees” when fees are passed on.
Common questions
Why did the family pay more than the listed percentage? Passing fees on grosses the charge up so your club nets the full amount (see the math above). On small invoices the fixed charge is also a bigger share: $0.20 on a $5 invoice is 4% by itself.
Do families see the fee before paying? Yes. A passed-on fee is always its own Service fees line on the invoice, never folded invisibly into the price.
Why does an older invoice say “Processing fees”? Service fees used to be called processing fees. Invoices and reports from before the rename can still show a Processing fees line. It’s the same fee.
Can we pass fees on for registration but absorb them for one invoice? Yes. The team switch sets the default and each created invoice can override it. Program billing and registration checkout always follow the team switch.
How do we cut fees for our families? Encourage bank payments. US ACH at 1.7% with no fixed charge is less than half the card rate on a typical invoice.
Are fees returned when we refund? See Refunds, disputes and failed payments for how refunds work.
Where do we see what we actually received? The financial report shows gross, fees, and net on its Payouts tab, and what landed in your bank on its Bank deposits tab.