Fees and discounts

Before any payment is submitted, the Payments portal shows a payment preview with every line item — the invoices, fees, and discount — so you know exactly what will be charged.

Fee preview

The preview includes:

• The invoices, debit adjustments, and credit adjustments you selected, with amounts.
• Your chosen payment method (ACH or card).
• Any fees associated with the payment.
• The statement discount, if applicable.
• The total amount that will be charged.

Take a moment to confirm the total matches what you expected. If something looks off, go back and adjust your selections before submitting.

Who pays the fee?

Fee structure is set during dealer onboarding. Depending on how your dealer configured it, you may see the fee added to your payment, or you may not see a fee at all. The preview is always the source of truth: whatever total it shows is what will be charged.

If you have a question about a specific fee, your dealer can explain how their fee policy works.

You always see the fee before you commit. The fee (if any) is shown in the payment preview for the method you picked, and nothing is charged until you confirm. If a card fee looks higher than you want, you can go back and choose ACH instead to compare the total before paying.

Discounts

Your dealer sets how discounts work on your account, and there are two arrangements. Check which one you are on before you plan a payment, because the rule about partial payments is different in each.

Per-invoice discounts

Each invoice carries its own discount and its own discount date. You earn the discount on whatever you pay, invoice by invoice, so paying three of ten invoices before their discount dates earns the discount on those three.

Statement discounts

The discount belongs to the statement as a whole rather than to the individual invoices on it. To earn it you must pay the full statement balance by the discount date shown on the statement.

A partial payment earns no discount at all. Paying a few invoices individually from the Total Balance view earns nothing either, even when their amounts add up to the statement balance, because the discount is tied to the statement payment itself.

Two other things give up a statement discount:

• Including items that are not on the statement. Add a new charge to the payment and the statement discount drops off.
• Applying credits worth more than the statement rows can absorb. The portal then prices the payment invoice by invoice instead.

In both cases the portal falls back to per-invoice pricing and the preview shows the result. If a discount you expected is not there, check whether your selection reached past the statement.

Either way, trust the preview

The preview is always the source of truth. It shows the discount actually applied to the payment you are about to submit, so confirm the total before you commit. You never enter a code or claim a discount separately.

For the full step-by-step on paying a statement, see Pay a statement.

ACH versus card costs

ACH and card payments have different fee structures.

• ACH is usually a low flat fee per transaction.
• Card is usually a percentage of the transaction amount plus a flat fee.

For larger payments, ACH is almost always cheaper. For small payments, the difference is less material. The preview always shows the actual fee for the method you picked, so you can compare ACH and card directly if you want.

Related

• Payment methods — Side-by-side comparison of ACH and card.
• Pay a statement — Capturing the statement discount.
• Pay an invoice — Paying invoices individually.