Topic
With Tradify's Card Payment integration option via Access Payments, you can make getting paid by your customers via an secure payment processor even more smooth, seamless and efficient.
Note: Only available in the UK and AU regions currently.
Video Guide
Instructions
- Head to Settings.
- Select Payments.
- Select the Setup Credit Card Payments button.
- Agree to the Terms & Conditions.
- On the new tab, enter the required business details to complete the application process.
- Once completed, you will be returned to your Tradify and be In Review.
Note: Your application is now under In Review, and Tradify will notify you when you can begin accepting payments. Once approved, you'll get an email from Tradify and see a Connected status in the payment settings, allowing you to start accepting card payments.
Where you can use Tradify Card Payments
You can offer your customers online card payments on any invoice you email or SMS via Tradify. Customers will be taken to a page where they can pay securely online.
Note: payments made outside of your region will not work. For example, you cannot make payments to a UK based business from France.
Manage your Card Payment Settings
Configure your Surcharge settings
Note: In the UK, surcharging is legal for business-to-business transactions, but not for business to consumer transactions. Consumer Rights (Payment Surcharges) Regulations 2012.
Transaction Fees
Transaction fees are as follows:
United Kingdom:
- 1.7% (Inc VAT) of the amount charged + 0.20 (Inc VAT) for standard cards.
- 2.1% (Inc VAT) of the amount charged + 0.20 (Inc VAT) for premium cards.
- 3.45% (Inc VAT) of the amount charged + 0.20 (Inc VAT) for American Express Cards.
Australia:
- 1.9% (Inc GST) of the amount charged + 0.30 (Inc GST) for Standard AU cards.
- 3.7% (Inc GST) of the amount charged + 0.20 (Inc GST) for American Express Cards.
Note: The percentage is applied to the full amount your customer pays, not just the invoice total. When you pass the fee on as a surcharge, the surcharge is included in the amount the card is charged, so the surcharge is calculated so that you receive the full invoice total after fees are deducted. For example, a £240.00 invoice paid with a standard card carries a surcharge of £4.35 (1.7% of £244.35 + £0.20), rather than £4.28 (1.7% of £240.00 + £0.20). This is why the surcharge shown on an invoice is slightly higher than the percentage of the invoice total alone.
Fees are comprised of:
- Merchant Acquiring fees (varies by card type)
- Payment Gateway fee (varies by volume)
- Tradify specific service charges
More info on card types here: Understanding Standard and Premium Transaction Fees
Each month, you'll receive a tax invoice from The Access Group via email detailing your Tradify Card payment transaction fees. No payment is required — fees are automatically deducted when each transaction is processed. If you're GST or VAT registered, you can claim the tax shown on this invoice in your tax return, reducing your overall costs. You'll only receive an invoice for months where card payments were processed.
Processing times for eligible countries
The first payout will be made 7 days after your first payment from a customer. Then subsequent Payouts are made on a 3-day rolling schedule. This delay protects your business, customers, and Tradify from the increased risk of fraudulent activity.
You will be able to view your payouts within the Payouts tab of your Payments Settings on the web version of Tradify.
Take Onsite Payments with Card Payments
Tradify Card Payments supports an option to accept card payments while still on site via the Scan to view and pay QR code option:
Payment Received
View Payments and Payouts within Tradify
Update your Integration Details After the Account is Setup
To update details on your Access Card Payments integration after the account is set up, you will need to reach out to the Access Payments team via the email below:
Additional information
See here for more info on Tradify's Card Payments: What Customers See When Tradify Card Payments are Enabled
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