Why do I have to pay a convenience fee for credit and debit cards but not for ACH payments?

The cost to process an ACH payment is actually less than processing a paper check, therefore there is no need to recover additional costs. Credit and debit transactions are processed through Visa or Mastercard. Visa and Mastercard charge a fee to the merchant (Canton Township) for using their product.

This fee, called an interchange fee, plus a handling fee for Chase Bank, makes up the 2.49% convenience charge. More.

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