Payment processing fees

Find out how payment processing fees work, how much we charge, and what payments they apply to.

Lauren Hose avatar
Written by Lauren Hose
Updated over a week ago

Members have the ability to pay transactions online through Hello Club. We offer credit and debit card payments in 26 countries worldwide, as well as alternative account-to-account payment options in some specific countries.

These online payments attract payment processing fees charged by bank and credit card processing companies.

Fees for credit and debit card payments

Payment processing fees for credit and debit card payments are largely determined by Stripe, and may vary from country to country. Sometimes rates vary between domestic and international cards as well.

In addition to Stripe's fees, Hello Club will charge a small amount on top of each credit/debit card transaction to maintain the integration and cover our own related expenses.

You can view the total fees for your country on our Pricing page.

Fees for credit and debit card payments are deducted from payouts by Stripe directly.

Fees for account-to-account payments

Payment processing fees for account-to-account payments are determined by the relevant payment processor and may vary by country.

At present, we only offer account-to-account payments in New Zealand, which are facilitated by POLi. To find out more about the fees POLi charges, please refer to the POLi website.

These fees are invoiced by POLi on a monthly basis.

Who pays the fees, the club or the members?

Credit and debit card processing fees can get quite expensive, especially for larger payment amounts. We understand that small clubs or non-profit organisations may be struggling financially, so we don’t want to make it harder for them by adding payment processing fees to their worries.

That’s why we leave it up to the club or organisation to decide whether they want payment processing fees to be charged to the members directly or whether they want to cover them.

Administrators can change the fee cover strategy at any time.

Passing fees on to members

By default, we always pass all fees on to the member that’s making the payment. This way, the club or organisation always gets the full amount they’re owed by the member, without having to worry about incurring unexpected expenses. The members pay a small fee for the convenience of being able to pay online quickly and securely.


John needs to pay $100 for his membership fee. He decides to pay online through Hello Club and use his international credit card.

John's club doesn’t cover any payment processing fees, so John will be charged $100 + $3.75 = $103.75 which includes the fee.

The fee is then deducted, and John’s club receives the full $100. 

Covering part or all of the fees

For larger clubs or organisations who want to encourage online payments in order to reduce admin work associated with reconciling cash or bank transfer payments, we offer the ability to cover either part or all of the payment processing fees.

You can specify how much of the fees you want to cover. This portion will be taken out of your payout, and the member is responsible for paying the remainder of the fee.

You can change this setting any time you like, and we have an online calculator to help you decide what settings work best for your organisation.


Mary also needs to pay $100 for her membership fee. Her club however cover the payment processing fees fully. Mary will thus be charged $100 for her transaction.

The fee is then deducted from the payout to the club, and Mary’s club receives the transaction amount minus the fee, e.g. $100 - $3.75 = $96.25. 

Offline payments

Payment processing fees are only charged to cover the costs of processing online payments, e.g. POLi or credit/debit card payments.

All “offline” payments, like cash, bank transfer, EFTPOS, etc. do not incur any payment processing fees from our end. You are free to generate as many transactions as you like and process the payments in any way you see fit.


If you have questions about the payment processing fees or need help deciding what fee cover strategy is best for you, chat with us or send us an email and we’ll be happy to help.

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