# Surcharge Fees for Payment Links

Surcharge fees are available to sellers to help cover the cost of processing payments in any environment.

Surcharge fees must be a **percentage** (not a flat amount) less than 3% for USA merchants and 2.5% for Canadian merchants. Surcharges cannot be applied when bank account (ACH) is the only permitted payment method. For more details on requirements, see [Surcharge Fees](/guides/online-payments/payment-features/buyer-charges/card-brand-fees/surcharge-fees).

## 1. Navigate to Payment Links

1. In the Dashboard, expand **Payment Tools** in the left navigation.
2. Click **Payment Links**.
3. Click **Create Payment Link**.


Create Payment Link
The creation form displays with a live preview that updates as you fill out each section.

Payment link Creation Form
## 2. Fill Out Basic Form Information

1. Fill out the [Basic Information](/low-code-no-code/payment-links/quickstart-dashboard#basic-information) section of the form.
2. Fill out the [Product or Service Information](/low-code-no-code/payment-links/quickstart-dashboard#product-or-service-information) section of the form.


## 3. Add a Surcharge Fee in Transaction Options

1. Under **Transaction Options**, enter a **Terms of Service URL** (required for all payment links).
2. Expand **Additional Transaction Options**.
3. Under **Buyer Fee**, select **Surcharge Fee Percentage**.
4. Enter a value up to 3% for USA merchants or 2.5% for Canadian merchants.

  - In the buyer preview, a notice will state that a surcharge applies and show the exact amount. This amount will also appear on the buyer payment page.



View other [Transaction Options](/low-code-no-code/payment-links/quickstart-dashboard#transaction-options) available.

## 4. Create and Share the Payment Link

Complete the remaining sections of the form:

- [Advanced Settings](/low-code-no-code/payment-links/quickstart-dashboard#advanced-settings)
- [Customize Branding](/low-code-no-code/payment-links/customize-branding)


When done, click **Create Payment Link** to finalize. You'll see a confirmation and can view the payment link details page.

From the payment link details page, you can [share the payment link](/low-code-no-code/payment-links/sharing-payment-links) with buyers.

## What Buyers See

Buyers will see a notice that the payment will be surcharged and the exact amount.

Payment Link Buyer Page - Surcharge