# Frequently Asked Questions - Billing & Fees

Questions about Tillage pricing, fees, and payment processing.

## Platform Fees

### What is the 1% platform fee?

Tillage charges 1% of payments processed through the platform. This fee is automatically deducted from each payment (or passed to your client if you enable fee pass-through).

**Example:** $1,000 invoice → $10 platform fee

### When is the platform fee charged?

The fee is taken from each payment when processed. You receive the payment minus:
- Stripe processing fees
- Tillage platform fee (1%)

Both can be passed to clients so you receive the full invoice amount.

### How do I avoid the platform fee?

Two ways: (1) Turn on fee pass-through in Settings → Payments so your client covers the 1% (and Stripe fees) at checkout, or (2) collect payment offline (check, wire, cash) and mark the invoice paid manually — offline payments have no Tillage fee.

### Is the platform fee charged on all payments?

The 1% fee applies to all payments processed through Tillage, whether one-time or recurring. It does not apply to payments collected offline and marked paid manually.

## Stripe Processing Fees

### What are Stripe's fees?

| Payment Method | Fee |
|----------------|-----|
| Credit/Debit Cards | 2.9% + $0.30 |
| ACH Bank Transfer | 0.8% (max $5) |
| International Cards | +1.5% additional |

These fees apply to all card and ACH payments.

### Who pays Stripe fees?

By default, you (the business) pay Stripe fees. They're deducted from each payment.

You can also enable fee pass-through (or a convenience fee on card payments) so your client covers processing costs and you receive the full invoice amount.

### Why are ACH fees lower?

ACH (bank transfer) has lower fraud risk and processing costs. Stripe charges 0.8% capped at $5, making it ideal for larger invoices.

**Example:**
- $1,000 invoice: $5 ACH fee vs $29.30 card fee
- $10,000 invoice: $5 ACH fee vs $290.30 card fee

## Fee Examples

### Business Absorbs Fees - $5,000 Invoice (Credit Card)

| | Amount |
|--|--------|
| Invoice total | $5,000.00 |
| Stripe fee (2.9% + $0.30) | -$145.30 |
| Tillage fee (1%) | -$50.00 |
| **You receive** | **$4,804.70** |

### Business Absorbs Fees - $5,000 Invoice (ACH)

| | Amount |
|--|--------|
| Invoice total | $5,000.00 |
| Stripe fee (0.8%, max $5) | -$5.00 |
| Tillage fee (1%) | -$50.00 |
| **You receive** | **$4,945.00** |

### Client Pays Fees - $5,000 Invoice (Credit Card)

| | Amount |
|--|--------|
| Invoice amount | $5,000.00 |
| Platform fee (1%, passed to client) | +$50.00 |
| Stripe fee (passed to client) | +~$151.13 |
| **Client pays** | **~$5,201.13** |
| **You receive** | **$5,000.00** |

### Client Pays Fees - $5,000 Invoice (ACH)

| | Amount |
|--|--------|
| Invoice amount | $5,000.00 |
| Platform fee (1%, passed to client) | +$50.00 |
| Stripe fee (passed to client, max $5) | +$5.00 |
| **Client pays** | **~$5,055.00** |
| **You receive** | **$5,000.00** |

## Convenience Fees

### What are convenience fees?

A way to pass payment processing costs to your clients. Available to all users (card payments only).

### How do convenience fees work?

1. Enable in Settings > Payments
2. Set fee rate (e.g., 3%)
3. Client sees fee added to their invoice

**Example:**
- Invoice: $1,000
- Convenience fee (3%): $30
- Client pays: $1,030
- You receive: ~$1,000 (after Stripe fees)

### Do convenience fees apply to ACH?

No. Convenience fees only apply to credit card payments. ACH fees are already low ($5 max), so no pass-through is needed.

### Can I set convenience fees per invoice?

Yes. You can:
- Set a team-wide default
- Override on specific invoices
- Disable for certain clients

## Plans

### How much does Tillage cost?

$0/month. There is no subscription and no paid tier. Tillage only earns a 1% platform fee when you process payments through the platform.

### Is there a paid plan?

No. The old Premium tier has been retired. Every team gets unlimited usage and every feature for free.

### What's included for free?

- Unlimited quotes, invoices, clients, and contracts
- AI quote generation (with your own OpenAI or Claude API key)
- Stripe card + ACH payments
- Fee pass-through and convenience fees
- Team collaboration, analytics, branding, PDF export
- Harvest, QuickBooks, and Xero integrations
- Email support

### Are there annual discounts?

There's nothing to subscribe to, so there's nothing to discount. Tillage is free.

## Payouts

### When do I receive my money?

Standard payout schedule:
- 2 business days after payment
- Automatic daily payouts to your bank

### Where can I see pending payouts?

- Tillage dashboard shows recent payments
- Stripe Dashboard shows full payout details

### Why is my payout delayed?

Possible reasons:
- New Stripe account (initial verification hold)
- Weekend/holiday (business days only)
- Large payment (additional verification)
- Bank account verification needed

Contact Stripe support for payout issues.

## Invoicing Questions

### Is there a fee for sending invoices?

No. Creating and sending invoices is free. You only pay fees when payments are processed.

### What if a client pays outside Tillage?

Mark the invoice as "Paid" manually. No processing fees apply for offline payments (checks, wire transfers, etc.).

### Can I issue refunds?

Yes, through Stripe Dashboard:
1. Find the payment
2. Issue full or partial refund
3. Tillage syncs the status

Refunded amounts return to the client; Stripe fees are not refunded.

## Recurring Billing

### Are there extra fees for recurring invoices?

No. The same fee structure applies: 1% platform fee + Stripe fees (both can be passed to clients).

### What about auto-pay?

Same fees. When clients enable auto-pay, payments process automatically with the same fee structure.

## International

### Can I accept international payments?

Yes. Additional fees may apply:
- International cards: +1.5% (Stripe fee)
- Currency conversion fees may apply

### What currencies are supported?

Set your currency in Settings. Common options:
- USD, EUR, GBP, CAD, AUD, and more

Clients pay in your configured currency.

## Tax

### Does Tillage charge sales tax?

Tillage is free, so there's no subscription to tax. You can add sales tax/VAT/GST to your own client invoices.

### Can I add tax to invoices?

Yes. Configure tax settings:
- Tax rate percentage
- Tax label (Tax, VAT, GST, etc.)
- Tax-inclusive or exclusive pricing

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*More questions? Contact support@tillage.ai*

*Related: [General FAQ](/llms/faq/general.txt) | [Pricing](/llms/pricing.txt) | [Payments](/llms/features/payments.txt)*