Why am I being charged a transaction fee when using a credit card?

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A 3% processing fee is added to all credit card payments. This is a flat rate charged by the payment processor. It does not benefit xChange nor is it retained by xChange. Please note that the credit card processing fee is not the Payment Handling Service Fee

How to calculate the processing fee?

The credit card processing fee is 3% of your invoiced amount. 

Other methods of payment are not considered credit card transactions, therefore no Stripe fee will be applied. To learn more about other payment methods, check this article: Which payment methods are available in a Trading deal?

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