Yes, Substance has to pay merchant fees on all ACH, debit and credit card transactions. The merchant fee rates average about 0.5% of the gift for ACH, 2% of the gift for online credit card donations and 4% of the gift for mobile giving donations. All forms of payment have some type of fee or cost to process. If you are concerned about the church having to pay fees on your giving please give using your bank’s online bill pay service or place a physical check in the offering container.