Resource Center

How Your Deposits and Fees Will Appear in Your Bank Account

At Pepper Pay, we understand that visibility and control over your cash flow is essential. That's why we offer multiple billing configurations — and flexible account setups — to match how your business operates.

Below is a breakdown of what to expect in your bank account, depending on your fee schedule and funding method.

Dual Bank Account Setup (Optional)

If it's easier for your accounting team, Pepper Pay can set up two separate bank accounts on file:

  • One account for all deposits
  • Another account for all processing-related charges

This helps merchants streamline reconciliation, separate revenue from expenses, and maintain cleaner books. If you'd like this setup, just let your Pepper Pay representative know — we'll take care of it.

If You're Set Up on: DAILY DISCOUNT — SEPARATE FEES (IC+ or Tiered Pricing)

Daily Activity

  • Deposit: Your daily settlement amount (gross sales, minus daily discount).
  • Charge #1: Daily discount (Pepper Pay's processing rate).
  • Charge #2: Interchange fees (passed through from the card networks).
  • Charge #3: Pepper Pay fees — includes any of the following as applicable: Authorization fees, Batch fees, AVS (address verification) fees, Card brand/network fees, Per-transaction fees, Chargeback fees (if they occur)
  • Charge #4: Chargebacks (if any occurred that day)

Monthly Activity

  • On the 1st of the following month, you'll see 1 charge for all monthly service fees (e.g., statement fee, monthly minimum, etc.).

If You're Set Up on: DAILY DISCOUNT — SEPARATE FEES (Flat Rate Pricing)

Daily Activity

  • Deposit: Your daily settlement amount (gross sales, minus daily discount).
  • Charge #1: Daily discount (your flat processing rate).
  • Charge #2: Pepper Pay fees — includes any of the following as applicable: Authorization fees, Batch fees, AVS (address verification) fees, Card brand/network fees, Per-transaction fees, Chargeback fees (if they occur)
  • Charge #3: Chargebacks (if any occurred)

Monthly Activity

  • On the 1st of the following month, you'll see 1 charge for all monthly service fees. (e.g., statement fee, monthly minimum, etc.).

If You're Set Up on: DAILY DISCOUNT — NET FEES (Any Pricing Model)

Daily Activity

  • Deposit: Your net settlement =
    Gross sales
    - Daily discount fees
    - Interchange fees
    - Pepper Pay fees (auth, batch, AVS, card brand, per-transaction, chargeback fees if any)
  • If the total daily fees exceed the daily settlement amount, you'll see a charge to your account to cover the difference.
  • Charge #1 or #2: Chargebacks (if any occurred)

Monthly Activity

  • On the 1st of the following month, you'll see 1 charge for all monthly service fees.

If You're Set Up on: MONTHLY DISCOUNT FEES (Any Pricing Model)

Daily Activity

  • Deposit: Full daily settlement (no processing fees deducted upfront).
  • Charge: Chargebacks only (if any occurred that day).

Monthly Activity

  • On the 1st of the following month, you'll see 1 charge that includes:
    • All daily fees (interchange, Pepper Pay fees, daily discount if applicable)
    • All monthly service fees

Important Notes

  • If your account is on DAILY DISCOUNT SEPARATE FEES, please note that due to TSYS platform limitations, charges cannot be combined.
  • If you find the number of daily charges disruptive or confusing, we're happy to help you switch to a different billing setup.

Billing Options Available at Pepper Pay

We offer three configurations you can choose from:

  1. Daily Discount - Separate Fees
    (Daily deposits with individual fee charges)
  2. Daily Discount - Net Fees
    (Daily deposits after all fees are deducted)
  3. Monthly Discount Fees
    (One monthly charge for all fees; daily deposits are untouched)

If you'd like to explore a different setup, just reach out to your Pepper Pay rep — we'll help you find the best option for your business.

support@pepperpay.com; 786-358-9338 option 3