### Payment & Processing Policy

**ACH, Tips & Donations**

We never charge fees for ACH/bank transfers or for voluntary tips or donations. Payments via ACH or donations are always free of processing fees.

**Invoices up to $1,000**

You can pay invoices of $1,000 or less using credit/debit cards or digital wallets without any processing fees.

**Card & Digital Wallet Payments over $1,000**

For payments above the $1,000 threshold, a processing fee of $10 for every $100 over $1,000 applies (10% of the amount exceeding $1,000). This fee covers the costs we incur from the payment processor.

**Buy Now, Pay Later (BNPL) Services – e.g., Klarna, Afterpay, Clearpay and  Affirm**

BNPL services carry higher financing costs. A 15% fee is charged on the total amount financed when you choose BNPL for any invoice, regardless of the invoice amount.

**Separate Fee Invoice & Administrative Charges**

If you pay using a method that incurs fees (such as a card or BNPL) without notifying us in advance, we will issue a second invoice to cover these fees plus an administrative charge of $50 (standard cards/wallets) or $100 (BNPL). This covers the additional effort required to reconcile the payment.

**Grace Period for Upfront Disclosure**

Let us know before paying with a card or BNPL, and we will add the applicable fees to your main invoice and waive the administrative charge. This helps us keep things simple and transparent.

**Manual Payment Portal & Invoice Number 0000**

You can make payments using our manual payment portal. If you're making a voluntary tip or donation (with no associated invoice), please use invoice number **0000** when prompted. Fees (if any) will be calculated and billed after the fact.

We appreciate your understanding and cooperation in helping us manage transaction costs.