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:
- 1Find total fees
On each monthly statement, find the total fees line (including all surcharges, FX, minimums).
- 2Divide by total card revenue
Total fees ÷ total card volume for that month = your effective rate as a decimal.
- 3Average 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).
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