# Frequently Asked Questions - Billing & Fees

Questions about Tillage pricing, fees, and payment processing.

## Platform Fees

### What is the 1% platform fee?

On the Free plan, Tillage charges 1% of payments processed through the platform. This fee is automatically deducted from each payment.

**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 (Free plan only)

### How do I avoid the platform fee?

Upgrade to Premium ($49/month). Premium users pay 0% platform fee—only Stripe's processing fees.

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

Yes, on the Free plan, the 1% fee applies to all payments processed through Tillage, whether one-time or recurring.

## 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 Tillage plans (Free and Premium).

### Who pays Stripe fees?

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

Premium users can enable "convenience fees" to pass card processing costs to clients.

### 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

### Free Plan - $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** |

### Free Plan - $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** |

### Premium Plan - $5,000 Invoice (Credit Card)

| | Amount |
|--|--------|
| Invoice total | $5,000.00 |
| Stripe fee (2.9% + $0.30) | -$145.30 |
| Tillage fee | $0.00 |
| **You receive** | **$4,854.70** |

Plus $49/month subscription.

### Premium Plan - $5,000 Invoice (ACH)

| | Amount |
|--|--------|
| Invoice total | $5,000.00 |
| Stripe fee (0.8%, max $5) | -$5.00 |
| Tillage fee | $0.00 |
| **You receive** | **$4,995.00** |

Plus $49/month subscription.

## Convenience Fees

### What are convenience fees?

A way to pass payment processing costs to your clients. Available on Premium plan.

### 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

## Premium Plan

### How much is Premium?

$49/month per team, billed monthly.

### What's included in Premium?

- 0% platform fee (only pay Stripe)
- AI quote generation
- Convenience fees option
- Team collaboration
- Advanced analytics
- Priority support

### When does Premium pay for itself?

At $4,900/month in payment volume:
- Free plan fee: $49 (1% of $4,900)
- Premium subscription: $49
- **Breakeven point**

Above $4,900/month, Premium saves money:
- $10,000/month → Save $51
- $20,000/month → Save $151
- $50,000/month → Save $451

### Can I cancel Premium anytime?

Yes. Cancel through Settings. You keep Premium features until the end of your billing period, then revert to Free (with 1% platform fee).

### Is there a free trial for Premium?

The Free plan is fully functional with unlimited usage. Use it indefinitely, then upgrade when you need AI features or want to eliminate the platform fee.

### Are there annual discounts?

Contact support@tillage.ai for annual billing options.

## 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:
- Free plan: 1% platform fee + Stripe fees
- Premium: Stripe fees only

### 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 subscription (Premium plan) may include applicable sales tax based on your location.

### 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)*