There are several ways you can get paid on the Jobox app. You can learn more about how payments work here.
When you get paid using a credit or debit card, you pay credit card fees. The rate of fees you pay depends on the total amount of transactions you process in Jobox, as well as the way you process the payment.
When you process a card payment using tap, dip or swipe, your fees are lower than when you enter the customer's card details manually in the app. That's because the risk of fraud is higher when a card is entered manually.
Credit or debit card fees using tap, dip or swipe
To process a card using tap, dip or swipe, you can either use the Jobox card reader, or you can use our new Tap-to-Pay feature. Your tap, dip or swiper rate will depend on your monthly sales amount in the last 3 months:
If you generate more than $450,000 of monthly sales, your fee will be 2.3% + 10 cents
If you generate between $200,000 and $450,000 of monthly sales, your fee will be 2.4% + 10 cents
If you generate less than $200,000 of monthly sales, your fee will be 2.6% + 10 cents
Credit or debit card fees for card details entered manually
To process a card manually, you enter the customer's credit card details directly in the app. Your fee for manual entry will also depend on your monthly sales amount in the last 3 months:
If you generate more than $450,000 of monthly sales, your fee will be 3.2% + 15 cents
If you generate between $200,000 and $450,000 of monthly sales, your fee will be 3.3% + 15 cents
If you generate less than $200,000 of monthly sales, your fee will be 3.5% + 15 cents
Why is the fee different between manual and non-manual card processing?
The risk of fraud is higher when you enter credit card details manually rather than using a payment terminal such as the Jobox card reader.
Manually entered transactions are charged a higher fee because there is no proof that the card is present at the time of charge. This makes it harder to win disputes and results in higher costs for everyone.
Offering a lower rate for tapped, dipped and swiped transactions encourages everyone in our community to accept more secure payments, which helps reduce our costs and pass on the savings to you.
Don’t have a card reader yet? No problem! Our new Tap-to-Pay feature lets you receive customer payment just with your phone. You can learn more about Tap-to-Pay in this article.
How do I lower my card processing fee?
Jobox looks at your total sales in the last 3 months to determine your processing fee. When you reach a certain amount of sales, your fee will decrease as you move into a new tier. For example, when you reach $200,001 of sales within 3 months, your processing fee will go down to 2.4% for tap, dip or swipe, and 3.3% for manual entry.
How do I get a card reader?
You can order a card reader in our Shopify store. Learn more about how to order a card reader here.
When are fees applied?
Fees are calculated from the transaction total and applied before the funds are added to your wallet. You can see a summary of your fees in your Wallet transaction export.
Do rates differ depending on the credit card network?
They don't, as we offer a flat fee across all card types. You pay the same rate regardless of whether the card is Visa, Mastercard, American Express or Discover.
Are there any other fees?
No. Unlike most other companies, we DON’T have additional charges for:
Live chat customer support
Network & integrity fees
Help from our expert Dispute Team
Additional Jobox app features
If your average monthly sales from the last 3 months exceed $200,000 and you don't think you are getting the right rate, get in touch with our team. We can help find the right transaction rate for you.