1. Go to the Sales command centre and click Online Invoice Payments to open Online payments settings in a browser.
   
   If prompted, log in with your MYOB account details.
2. Select the option Enable the option to pass on credit card surcharges and choose the applicable income account. This will be the AccountRight income account you want to use to track surcharges.
   

3. Click Save. Now, you just need to create and send invoices like you normally would. Need a refresher? 

To turn surcharging off for all invoices, repeat these steps and deselect the option Surcharge credit card payments.

Once you've turned on customer surcharging (see the steps above), you can choose to turn surcharging on or off for individual invoices.

1. Create the invoice as you normally would.

2. Select or deselect the Apply surcharge option.
   

   If you change this setting on an invoice you've already sent, you'll need to save your changes and re-send the invoice.

3. Complete the invoice as normal and send it to your customer.

The customer will receive the invoice as they normally would. When they click on Pay Now, they'll be asked to select their payment method.

When they select Credit or Debit Card, they'll be asked to enter their card details. The amount owing, the surcharge fee, and total amount due (invoice and surcharge fee) will be listed as shown below.

When they click Pay, the payment will be processed.

Handling the payment in your company file

When a customer makes a payment, the details will automatically be entered into your company file for you, and the invoice will be closed off.

Providing you've specified the bank account to record your online invoice payments when you turned on surcharging as described above (Sales command centre > Online Invoice Payments > Online payments settings), here's how it'll work:

1. The individual payments you receive for a day, along with any credit card surcharges, will be recorded in your Undeposited Funds account.
2. A bank deposit will then be automatically created to include all undeposited funds that were settled.
3. If you use bank feeds, the lump sum deposit for the day's customer payments will be automatically matched to the bank deposit.

If you need more details about your online invoice payments, see Online invoice payment reports.

What are the fees and charges related to online payments?

• Any of your invoices paid using a credit card (AMEX, Visa, Mastercard, Apple Pay, Google Pay^TM or PayPal); via our online payment service, will surcharge the payer a 1.8% fee (incl. GST).
• All fees related to invoices paid using BPAY; via our online payment service, will be charged to your business and not the payer
• The surcharge of 1.8% will be applied to the invoice total, with the surcharge amount settled along with the invoice amount into your bank account. It will later be debited from your account during your monthly MYOB billing cycle.
• The $0.25 per transaction fee will only be charged to your business and not the payer.

Where do I find the surcharge amounts?

You'll see individual surcharge amounts in the Bank Register.

You just need to:

1. Go to Banking command centre and click Bank Register.
2. Choose the Undeposited Funds Account. A list of transactions appear.
3. The surcharge amount will have the same ID No. as the received payment, but with an additional 'S' at the end.
   

How do I change the bank account my fees and charges are debited from?

Only the Online owner or an Online administrator can change the bank details. Tell me more online access levels.

1. Go to the Sales command centre and click Online Invoice Payments to open Online payments settings in a browser.
   
   If prompted, log in with your MYOB account details.
2. Click Edit for Bank account for direct debit of fees to change the business bank account that will be debited for fees and charges.
   1. 1. Follow the prompts to update your account details.
      2. Click Next and complete your Direct Debit Request details.
      3. Click I agree to save.
   
3. If applicable, you can change the Ledger account to record fees and charges.
   
4. When you're done, click Save.

You'll receive an email within 48 hours confirming the changes you made.

1. Go to the Sales command centre and click Online Invoice Payments to open Online payments settings in a browser.
   
   If prompted, log in with your MYOB account details.
2. In the Online payment settings page, in the Surcharging section, select:
   • Enable surcharing on invoices – to turn on surcharging for all invoices
   • Never pass on the surcharge – to turn off surcharging for all invoices

3. Click Save. Now, you just need to create and send invoices like you normally would.

Once you've turned on customer surcharging (see the steps above), you can choose to turn surcharging on or off for individual invoices.

1. Create the invoice as you normally would.

2. Select or deselect the Apply surcharge option.

   If you change this setting on an invoice you've already sent, you'll need to save your changes and re-send the invoice.

3. Complete the invoice as normal and send it to your customer.

The customer will receive the invoice as they normally would. When they click on Pay Now, they'll be asked to select their payment method.

When they select Credit or Debit Card, they'll be asked to enter their card details. The amount owing, the surcharge fee, any applicable GST and total amount due (invoice and surcharge fee) will be listed.

When they click Submit, the payment will be processed.

Handling the payment in your company file

When a customer makes a payment, the details will automatically be entered into your company file for you, and the invoice will be closed off. Here's how it'll work:

1. The individual payments you receive for a day will be recorded in your Undeposited Funds Account.

   To check the account you've nominated, go to Setup > Linked Accounts > Accounts & Banking Accounts > Bank Account for Undeposited Funds.

2. The fees and, if applicable, surcharge and surcharge GST, will be recorded in your nominated merchant fees account.

   To check the account you nominated, go to Sales command centre > Online Invoice Payments > Online payments settings.

3. A bank deposit will then be automatically created to include all undeposited funds that were settled. This will not work if you have selected Undeposited Funds as the income account to record your payments.
4. If you use bank feeds, the lump sum deposit for the day's customer payments will be automatically matched to the bank deposit.

If you need more details about your online invoice payments, see the Transaction Details report.

What are the fees and charges related to online payments?

• When your payer pays via Visa, Mastercard, Apple Pay or Google Pay and you have enabled surcharging, they will be charged 2.7% of the invoice value.
• The 2.7% surcharge will be applied to the invoice total and the invoice amount (minus the $0.25 merchant fee) will be settled to your bank account. For example, if the invoice is $100 and you have enabled surcharging, your customer will pay $102.7 and you will receive $99.75.
• If a surcharged invoice contains goods or services with GST, you will also receive the surcharge GST.

Where do I find the surcharge amounts?

Typically, the surcharge isn't recorded in your accounts as it is paid by your customers and debited before the funds settle. The surcharge can, however, be calculated as 2.7% of the invoice value.

If the surcharge incurred GST, we'll record the surcharge and its GST in your nominated merchant fee account. To see or edit the account you nominated, go to Sales command centre > Online Invoice Payments > Online payments settings.

You can always view the fees and, where applicable, the surcharge GST in the Transaction Details report.

How do I change the bank account my fees and charges are debited from?

Only the Online owner or an Online administrator can change the bank details. Tell me more online access levels.

1. Go to the Sales command centre and click Online Invoice Payments to open Online payments settings in a browser.
   
   If prompted, log in with your MYOB account details.
2. Select the Stripe account settings tab. If prompted, log in with your Stripe account details.
3. Click Edit for Payout Details to change the business bank account that will be debited for fees and charges.
4. Update your account details.
5. Click Save.