Payments made from your bank account by eCheck or by ‘Text to Pay’ are free. Payments made using Visa, Mastercard, Discover, and American Express are subject to a convenience fee. Below are all of the Rentcafé payment fees: Visa, Mastercard, and Discover payments are subject to a fee equal to 2.2% of the payment amount American Express payments are subject to a fee equal to 3% of the payment amount Debit card payments are subject to a $3.95 service fee ACH payments are free Note: Credit/Debit card payments are processed through ProfitStars, a third party vendor. Essex does not receive the convenience fees or profit from them. They are used to offset the cost of processing credit card payments.