Vagaro offers competitive credit card processing rates as well as a wide range of other benefits, including the ability to sell services, products, memberships, and gift certificates online, store credit cards, create cancellation, and no-show policies, and require credit card payments online.
- Additionally, you become eligible to receive a free credit card reader once the application is approved. This includes the Vagaro EMV Chip Reader.
- Click this link to learn about Signing up for Credit Card Processing.
- To get started, go to the Credit Card Processing page on Vagaro.com
Vagaro offers merchant services to businesses in the United States and
- Australia (Australia - Sign up for Credit Card Processing)
- Canada (Canada - Sign up for Credit Card Processing)
- United Kingdom (United Kingdom - Sign up for Credit Card Processing)
Let's take a closer look at the fees, rates, and benefits of signing up with Vagaro Merchant Services!
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FANF Costs
FANF stands for Fixed Acquirer Network Fee.
Card-Present FANF Rates
If you take card-present (swiped) payments, your FANF cost will depend on the number of locations you have and whether you’re considered a “high volume” industry.
| Number of Locations | FANF per Location | High Volume FANF per Location |
| 1-3 | $2.00 | $2.90 |
| 4-10 | $2.90 | $4.00 |
| 11-50 | $4.00 | $5.00 |
| 51-100 | $6.00 | $8.00 |
| 101-150 | $8.00 | $12.00 |
| 151-200 | $10.00 | $18.00 |
| 201-250 | $14.00 | $25.00 |
| 251-500 | $24.00 | $35.00 |
| 501-1,000 | $32.00 | $45.00 |
| 1,001-1,500 | $40.00 | $55.00 |
| 1,501-2,000 | $50.00 | $65.00 |
| 2,001-4,000 | $60.00 | $70.00 |
| 4,001 or more | $65.00 | $85.00 |
If you have a monthly sales volume under $200, FANF will not apply. Businesses with a monthly volume of $200 – $1,250 will pay a FANF of 0.15% of the total volume instead of a fixed dollar amount from the table.
Card-Not-Present FANF Rates
If you’re accepting “card-not-present” transactions (either online where a customer enters their card details themselves, or where you or your staff key in the card details instead of swiping) you’ll pay card-not-present FANF rates. Card-not-present FANF is determined by your monthly volume at the rates listed in this table:
| Monthly Volume | Monthly Fee |
| $1,250 - $3,999 | $7.00 |
| $4,000 - $7,999 | $9.00 |
| $8,000 - $39,999 | $15.00 |
| $40,000 - $199,999 | $45.00 |
| $200,000 - $799,999 | $160.00 |
| $800,000 - $1,999,999 | $450.00 |
| $2,000,000 - $3,999,999 | $1,000.00 |
| $4,000,000 - $7,999,999 | $2,000.00 |
| $8,000,000 - $19,999,999 | $4,000.00 |
| $20,000,000 - $39,999,999 | $8,000.00 |
| $40,000,000 - $79,999,999 | $16,000.00 |
| $80,000,000 - $399,999,999 | $45,000.00 |
| $400,000,000 or more | $70,000.00 |
As with card-present rates, if you have a monthly sales volume under $200, the FANF will not apply. If your volume is $200 – $1,249, you’ll pay 0.15% of the total volume instead of a set dollar amount.
What if my business has some card-present and some card-not-present?
If some of your transactions are card-present and some are card-not-present on the same merchant account, the card-present fees will still apply by location. The card-not-present fees will still apply by volume, but only the card-not-present transactions will be used to determine that volume.
Example:
You have a single location business that has 90% card-present transactions and 10% card-not-present transactions.
Your total sales volume is $100,000 in one month. You will be charged the card-not-present FANF rate for $10,000 of volume. (10% of $100,000.) You could expect to pay $15 in card-not-present FANF costs.
Additional Fees
- ACH Return ($20): Customers are required to keep banking information up to date. If the account information on file is wrong, to no fault of VMS, and/or we fail to verify your bank account information based on the information you provided, a $20 fee will be charged for any deposit that is returned due to inaccurate bank account information.
- ACH Reject ($20): If your account is frozen or impacted due to a negative status, your financial institution may reject deposits. Each rejected deposit will automatically incur a $20 fee.
- Chargeback ($20): Upon a consumer initiating a chargeback, the consumer’s financial institution immediately and without notice impounds the exact amount of funds at dispute from your account. We will provide details of the chargeback transaction, instructions/process on how to dispute, and impose a $20 fee.
- Retrieval ($20): If your customer requests their financial institution to investigate a transaction, VMS, per request, provides transaction information which automatically triggers a $20 retrieval fee.
Comments
29 comments
What update can you provide for customers in Canada? Is there an ETA on processing?
In the meantime, do you offer any sort of integration with external processors? I can't find any documentation on that.
Hi Morgan. We are currently in discussions regarding this, but I can't give you an ETA.
Unfortunately, we don't integrate with other processors at this time. We will notify all the businesses once credit card processing is offered in Canada.
Why are the card fees absorbed in small merchant accounts and not larger accounts? Seems like we’re being punished for having larger purchases.
Hi Claudia. It's based on how we structured the rates. The small plan has a flat 2.75 percent processing fee, which covers everything. The Large plan has a smaller rate of 2.2 percent + 19cents, but due to the rate being that much lower, we no longer cover the Visa/Master card fees. The merchant becomes responsible for them. I will send your request to the management team.
What is the difference between swiped fee and typed fee? How can I avoid the the larger fee?
Hi Halla. You get charged the swiped fee when you swipe the credit card with the reader or use the chip reader. A typed fee is what you receive when you manually enter the credit card number or use a credit card on file. It's deemed a higher risk fee, which is why the cost is slightly higher. Online transactions are also bucketed in the typed fee transactions. I hope this provides more clarification.
Is there a way that we can have our clients pay the credit card transaction fee, included in their total? My previous booking app allowed me to do this but I'm trying to figure out if Vagaro offers this option.
Hi Destiny. We don't offer this option, but I'll send this feedback to our management team.
Would I have to Include credit card transaction fee in each one of my services and items ? This is a big issue right now since switching to vagaro.
Trying to reconcile the credit card charges. Where do we go to get a statement of charges including the fees?
Have you looked at the Deposit Report? (Reports menu > Sales section > Deposits)
It breaks out all fees on a deposit by deposit basis. Example:
Hi there, if the clients swiped their card to pay in the chip reader does it give us the option to save the card to file or does it manual do it for us. I’ve been typing the card in cause at the bottom of the screen it says save card to file. But I guess I been getting charged more in fees for doing this.
Also how do we see a report and all the processing fees from you guys do you have a report for that
Hi Brittany:
For your first question about swiping/saving card on file, I've submitted a support ticket and you should hear from someone on our support team.
For the 2nd question, see the response just above your questions and take a look at the Deposit Report. You'll find all fees broken out by deposit in that report.
How do I change from being a large merchant to a small merchant?
Hi Codie: To change your rate, contact support or Vagaro Merchant Services. I've put in a ticket for you to start the process and you should hear from support soon.
How does it work for Canadian businesses that use Vagaro but don’t have merchant services available? Can they use something else to process payments?
Hi Lindsay... Vagaro merchant services are coming to our customers in Canada at the end of June or early July. See this web page for more info: https://sales.vagaro.com/currency#ca
Do these fees also apply to debit cards?
Stephanie:
If you're in the US, yes, debit cards incur the same fees like credit card purchases.
What if one month I have less than $4,000 in sales and the next month I have more than $4,000 in sales? Does the system auto change the card processing rate automatically or do I have to contact vagaro? What if income fluctuates month to month above or below $4,000?
I created a support ticket for your question, Tobias.
Who do we contact if a payment went through with reader and email to client sent, but it is not showing in my bank account on file? Also, even though I have good internet there are times where the reader will not connect with my phone. How do I also get it to work on my laptop.
For payment processing issues, please contact Vagaro support.
You can connect the EMV reader to a desktop or laptop via USB (cable that comes with the reader). See this article:
https://support.vagaro.com/hc/en-us/articles/360018745934-Using-the-EMV-Reader-with-a-Mac-or-Windows-Computer
Is there an update to the question why larger accounts are being penalized in fees even though the rate is lower?
Also when will an option to charge the clients the fees be available? right now many merchants offer this...making it very enticing to switch (even if its a headache to move over)
Charging more on the service doesn't off set the cost. So again, can we catch up to the industry and be given a feature that allows the consumer to pay the processing fee
I'm not sure what you are referring to when you mention being penalized with a lower rate, if you are on a large merchant account, you pay less in fees if you are processing over $4,000 a month. I verified this on your account and you saved over $27.54 in the last 30 days from what you would have paid on a small merchant account.
Regarding the option for clients to pay fees, that's called a surcharge and it's not something we do for multiple reasons. 1) It's not legal in all states, 2) It does not apply to all transactions, for example a debit card or prepaid debit card cannot be charged a surcharge, if you do you are in violation with the card brands, Visa, MasterCard, etc, 3) You must have signage in the store and online as well as on the receipt that you have a surcharge for credit card transactions and display the fee, 4) You must apply to do this with each of the card brands, 5) If someone out of state or outside of the USA purchases from your online store and their state prohibits these fees, you are in violation of these rules, 6) You would not be able to take any encrypted transactions (i.e. EMV, Apple Pay, Google Pay, Samsung Pay, Tap to Pay) transactions since these cannot be blocked, due to encryption, from the surcharge if they are a debit or pre-paid debit card, therefore limiting you to swiped transactions (which you automatically lose on chargebacks since EMV was released) or you have to type in transactions at the higher rate.
These are the main reasons we do not have this option or plan on adding it, besides that fact the most customers won't agree to these fees and will go elsewhere.
I just applied a filter to see what transactions I have "keyed" or "typed" in for the month and I am surprised to see that clients who have credit capture and have a credit card on file are considered "keyed or "typed." So I am essentially paying the higher percentage instead of the 2.75% or 2.5%+10 cents I am paying the 3.5%+15 cents. Is this correct? I hope this is not correct. If so I was not explained this when the agent spoke about the convenience of a business having credit capture. I feel this is misleading and am not happy with this at all if this is the correct assumption. If you would clarify. 1. If a client has a credit card in file and a business uses that credit card (from credit capture or deposit feature) is the business being charged the higher percentage rate + 15 cents, is it considered a "keyed in" transaction? 2
Is the shopping cart feature separate from the credit card processing feature or are they one in the same meaning is it $10/month or $20/month? 3. So what is vagaro charging per client if their card is on file and with paying the shopping cart feature and credit processing feature?
2 more questions:
1. Does the vagaro processing fee include the credit cards processing fees or are they separate percentages?
2. Would someone at vagaro be able to breakdown how my total revenue vs my take home difference is calculated, i.e. different percentages: above-below $4000, keyed in, swiped, FANF, etc. and my monthly bill? For example for separately February 1st-28th and March 1st-31st 2022? I will be better able to understand this then.
Thank you for the help.
Lisette:
If you still need help understanding your Deposits report, please call support.
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