Walkthrough · article 08 of 12

Set your card
transaction fee.

One number, applied to card revenue only — never to cash. Where to find your real rate.

Ibrahim Ölmez Ibrahim ÖlmezFounder · nouz · 5 min read · Updated this week
One number, one rule. Set your fee percentage in Settings. nouz applies it to every card revenue entry — never to cash. If you don't accept cards, set it to 0.

Your card transaction fee is the slice your acquirer takes from every card transaction. Visa, Mastercard, Apple Pay — all of them go through an acquirer who charges a small percentage (typically 1.5–3%) for processing. nouz subtracts that fee automatically from your card revenue so your net number is honest.

01 Where the setting lives

Open Settings → Business profile. The Transaction fee % field accepts a decimal like 1.85 or 2.5. There's no need for a percent sign — just the number. Save and every revenue entry you log going forward applies that rate to its card portion (the EC column).

02 Finding your real rate

Your acquirer's monthly statement is the place to look. Most owners discover their effective rate is higher than the advertised one — interchange-plus pricing, FX surcharges, monthly minimums, and statement fees add up. The "1.4%" they promised at signup often becomes 1.9% effective once you do the math.

Check the last three months of statements:

  1. 1
    Find total fees

    On each monthly statement, find the total fees line (including all surcharges, FX, minimums).

  2. 2
    Divide by total card revenue

    Total fees ÷ total card volume for that month = your effective rate as a decimal.

  3. 3
    Average three months

    Use that as your rate in nouz. Rounding to the nearest 0.05 is close enough.

If you've only just started and don't have three months of statements, use the rate your acquirer quoted you and revisit after three months. Slight inaccuracy in week one is fine — what matters is that you have a number, not the perfect one.

03 Why cash is never charged

Cash doesn't pass through an acquirer, so there are no fees to subtract. Every revenue entry in nouz has a cash column (BAR) and a card column (EC). The fee percentage is applied to the card column only — the cash column flows straight through to net revenue, untouched.

This is why we keep the BAR/EC split mandatory on every entry. Without it, we'd either over-charge cash (wrong) or under-charge card (also wrong). The split keeps both honest. See Cash vs card revenue for the deeper why.

04 When the rate changes

If your acquirer changes your rate, update the field in Settings. The new rate applies from that moment forward — old entries keep the rate they were logged at (each entry stores its own snapshot, same pattern as tax rates and product prices).

Don't backdate fee changes. If your acquirer changed your rate retroactively (rare but happens), don't edit the global setting — that would change past entries. Instead, log an "acquirer correction" expense for the difference. Keeps your historical entries honest.

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Still stuck? Email support@nouz.co — a founder replies, usually the same business day.