X-CD Payments

Base Rate: 2.9% + $0.30 

This covers the core payment processing costs — everything Visa, MasterCard, Amex, the bank, and X-CD need to move money safely and legally.
It includes:

• Card network fees
• Bank interchange fees
• Processor costs
• Gateway & compliance infrastructure
• Fraud prevention & PCI protection

That’s your “normal” online transaction rate — the same baseline used by Stripe, PayPal, and others.

1% Transaction Fee

This is the fee for using the integrated X-CD Payments system within your existing X-CD platform.

It covers:

• Integration of payments into registration, membership, and exhibitor systems
• Automatic reconciliation between payments and X-CD invoices
• Support and accounting assistance for settlements, refunds, chargebacks
• Ongoing maintenance of your PayFac sub-merchant account

Think of it as the “X-CD layer” that makes your payments seamlessly part of your event and association workflows — rather than using an external processor and reconciling everything manually.

It’s the cost of full X-CD integration and support, not just raw transaction processing.

+2.5% International Card Fee

Whenever someone pays with a card issued outside your merchant’s home country, the card networks (Visa, Mastercard, Amex) apply additional cross-border and currency conversion fees — usually totaling between 1.5% and 2.5%, depending on the issuing bank and currency. X-CD rounds that up and standardizes it to +2.5% to:

• Cover those cross-border network surcharges
• Offset foreign exchange risk and settlement handling
• Simplify accounting (so you don’t see small variable fees each time)

Example:
A US merchant receives a Canadian Visa payment → that’s an international card → +2.5%.

+1% Terminal (Card-Present) Fee

This applies when using X-CD Pay Terminals for on-site transactions at conferences or events.

Why it exists:
Card-present payments (chip, tap, or swipe) are processed differently by the card networks than online transactions. They require additional infrastructure, compliance, and hardware management to remain fully secure and certified.

The additional 1% covers:

• Hardware support and device management (setup, pairing, remote assistance)
• Secure on-site routing and EMV/Bluetooth certification
• Compliance and maintenance of physical terminals

X-CD Value Add:
All on-site transactions are automatically stored in the correct place of origin within your X-CD system — tied directly to the attendee, exhibitor, or member profile. Funds flow into the same merchant account as your online payments, so there’s no separate reconciliation or manual data entry after the event.

Example:
A $500 badge sale processed at your registration desk → 2.9% + 1% = 3.9% total + $0.30.

ACH / e-Check Payments

ACH (also called e-Check or bank transfer) lets payers transfer funds directly from their bank account instead of using a credit card.

Pricing:

• Base rate: 0% + $0.30 per transaction
• +1% Transaction Fee (applied to the transaction amount)

Why it’s lower:
ACH transactions bypass the card networks entirely — meaning there’s no interchange or card network fee. They’re ideal for large invoices, sponsorships, or dues where saving on card fees matters most.

Example:
A $1,000 sponsorship paid by ACH →
0% + $0.30 (base) + 1% Transaction = $10.30 total fee.

Putting It All Together

In Short

• The 2.9% covers card networks and banks.
• The 1% transaction fee covers integration, support, and reconciliation inside X-CD.
• The other surcharges (+2.5%, +1%) only apply to specialized or higher-risk transaction types (international & terminal).
• It’s all about who’s paying, how they’re paying, and where the payment comes from — each layer adds a bit of cost based on complexity and risk.