> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/getting-started/service-fees.md).

# Service fees

Understand service fee eligibility, processing rules, and supported merchant category codes.

Service fees are available to merchants in specific government and education merchant category codes (MCCs).

The program supports a variable fee for Visa consumer debit, consumer credit, and commercial products. It applies to card-present and card-not-present payments.

### Determine whether service fees fit your business

Service fees can support:

* Government services, including tax payments, licenses and registrations, court costs and fines, and alimony and child support payments.
* Educational institutions, including elementary and secondary schools, colleges, and professional and vocational schools.

### Benefits

* Share processing fees with customers where permitted by law.
* Improve cash flow and reduce expenses.
* Accept credit card payments while helping protect tax and university revenue.

### Follow processing rules

* Do not charge a service fee with a surcharge or convenience fee.
* If the merchant assesses the service fee, process it as a separate transaction.
* If a third party assesses the fee in a card-not-present environment, process it as a separate transaction.
* Government taxing authorities and their third parties must be authorized to process tax payments.

### Use supported merchant category codes

Service fees apply to these government and education MCCs:

* **4900:** Electric, gas, sanitary, and water utilities
* **9311:** Tax payments
* **9399:** Government services, not elsewhere classified
* **9222:** Fines
* **9211:** Court costs, including alimony and child support
* **8220:** Colleges, universities, professional schools, and junior colleges
* **8211:** Elementary and secondary schools
* **8244:** Business and secretarial schools
* **8249:** Vocational and trade schools

{% hint style="warning" %}
This information is for informational purposes only. It is not legal advice. Contact an attorney for advice about a specific legal matter.
{% endhint %}

<a href="https://vimeo.com/957978166?share=copy" class="button primary">Learn more about service fees</a>


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