Credit Card Fee seems incorrect on payment plan

[Andy]

I have a payment plan which is a deposit payment of 25% followed by the balance. However when the user gets to the screen (it's in test currently), even though it says payment plan is deposit, the credit card fee is a percentage of the total full amount.

This is ok as long as when the customer settles the balance, they are not charged another credit card fee.

Is this correct?

In my view they should only be charged a credit card fee on the deposit, then another fee on the balance when they pay the balance, as they may settle the balance by bank transfer or cheque, in which case I'd need to refund the balance of the credit card fee.

[netshine]

In my view they should only be charged a credit card fee on the deposit, then another fee on the balance when they pay the balance, as they may settle the balance by bank transfer or cheque, in which case I'd need to refund the balance of the credit card fee.

Yes, that is in fact what happens, although I can see why the initial payment summary might not make it obvious...

The fee is shown on the payment summary as a percentage of the invoice amount, but where a partial payment is being taken, the amount charged is a percentage of that total. So in this case they are actually paying 25% of the invoice amount and 25% of the gateway fee. The fee is not actually added to the invoice until after payment is confirmed (as they might select a different payment method and not go through with the payment). At that point, the gateway fee is added to the invoice based on the amount paid (ie. 25%). So the amount outstanding is correct. If they pay the balance offline, the amount outstanding shown on the invoice is fine as it does not include the remaining 75% of the gateway fee. If they pay the balance online, and select the same payment method, the remaining 75% of the gateway fee is added.

There might perhaps be a case here for amending how the gateway fee is displayed in the transaction summary in cases where partial payments are being taken, but even so, both the information displayed, and the behaviour and amount charged is, I believe, correct.

[Andy]

I have worked through it and now got my head around the calculation.

initially 25% of the total due + %25 of the CC fee is paid
finally 75% of the total is paid + the CC fee on that 75% or balance.

my CC fee is 1%

EG:

Services bought are £54.00 x 1% CC fee which is £0.54, so the invoice total shows £54.54.
Customer pays 25% deposit which equals £13.64 which is 25% of £54 (£13.50) + 25% of £0.54 (£0.135) rounded up.
Balance of the invoice is now £40.90 (including the whole CC fee)
However the customer pays the balance excluding the CC fee worked out as £40.36, which is the total (£54.00 - £13.64)
1% of £40.36 is £0.40 so the customer pays a balance of £40.76 which when added to the deposit amounts to £54.54.

I typed it out so it might help others.

I can now put my form live!