# 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:

- **Surcharge Fees**: A fee to offset the cost of credit card processing. Surcharges can only be applied to credit cards (not debit or prepaid), cannot exceed 3%, and are not allowed in all states. Merchants must be enabled by Finix to process surcharges.
- **Convenience Fees**: A fee for providing a more convenient payment channel. Convenience fees can only be charged when the seller provides a payment method (usually online or phone) different from their standard channel (historically mail or in-person). Must be a flat amount.


Note
Buyer fees are not supported for ACH transactions.

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

## Learn More

Surcharge Fees
Add surcharge fees to Virtual Terminal transactions to cover payment processing costs.

Convenience Fees
Add flat-rate convenience fees to Virtual Terminal transactions.