# Buyer Fees for Virtual Terminal Transactions

You can add buyer fees to transactions processed through the Virtual Terminal to cover the cost of processing payments or accepting cards.

## Supported Buyer Fees

The Virtual Terminal supports two types of buyer fees:

Only one buyer fee can be applied per transaction.

- **Surcharge Fees**: A fee to offset credit card processing costs. Surcharges apply only to credit cards, not debit or prepaid, cannot exceed 3% for USA merchants or 2.5% for Canadian merchants, and are not allowed in all states. Merchants must be enabled by Finix to process surcharges.
- **Convenience Fees**: A fee for providing an alternative payment channel (e.g., online or by phone). Must be a flat amount.

Note

Surcharges are not supported for ACH transactions.

For more details on buyer fees and requirements, see [Buyer Charges](https://docs.finix.com/guides/online-payments/payment-features/buyer-charges).

## Learn More

[**Surcharge Fees** \  \  Add surcharge fees to Virtual Terminal transactions to cover payment processing costs.](https://docs.finix.com/low-code-no-code/virtual-terminal/buyer-fees/surcharge-fees) [**Convenience Fees** \  \  Add flat-rate convenience fees to Virtual Terminal transactions.](https://docs.finix.com/low-code-no-code/virtual-terminal/buyer-fees/convenience-fees)