Payabli Partnership

Choose Your
Fee Model

Payabli charges 2.9% + $0.30 per credit card transaction and a flat $1.00 for ACH. You decide who pays — your studio or your clients.

Secure Transfer
PCI Compliant
Credit Card Rate
2.9% + $0.30
Per transaction
ACH Rate
Flat $1.00
Per transfer
Choose Your Model
Absorb or Pass-Through
You decide who pays the processing fees
Find Your Fit

Which Fee Model Is Right for You?

Answer 5 quick questions and we'll recommend the best approach for your studio.

What's most important to your pricing strategy?
Think about how you present prices to your clients.
💎
Clean, all-in pricing — no extra line items
💰
Protecting every dollar of my listed price
⚖️
I'm flexible — both matter about equally
How would your clients react to a checkout fee?
Consider your client base and their expectations.
😬
They'd definitely notice and might push back
😎
They're used to it — fees are everywhere now
🤔
Hard to say — it could go either way
Have you built processing fees into your current pricing?
This affects your margins either way.
Yes — my prices already account for fees
No — I'm losing money to fees right now
🤷
Not sure — I haven't done the math
How do you feel about pricing transparency?
Different approaches send different signals to clients.
🎁
I prefer simplicity — one price, no surprises
📋
I value transparency — show the real breakdown
🔄
Either works depending on the situation
What's your top priority right now?
This helps us match the right model to your goals.
🌟
Delivering a premium, seamless experience
📈
Maximizing every dollar of revenue
🎯
Growing my studio — everything else follows
🏪
Absorb Fees
Based on your answers, absorbing fees aligns best with your studio. You value a clean, premium experience and have (or plan to build) fees into your pricing. Your clients will love the seamless checkout.

There's no one-size-fits-all answer. The best choice aligns with your pricing strategy, your brand, and the experience you want to create.

Apply with Absorb Fees →
💰
Pass-Through Fees
Based on your answers, passing fees through to clients is your best move. You prioritize protecting your revenue and believe in transparent pricing. Your margins stay intact on every single transaction.

There's no one-size-fits-all answer. The best choice aligns with your pricing strategy, your brand, and the experience you want to create.

Apply with Pass-Through →
⚖️
It Could Go Either Way
Your answers show you could succeed with either model. Scroll down to explore the details, run the cost calculator, and see which approach matches your goals.

There's no one-size-fits-all answer. The best choice aligns with your pricing strategy, your brand, and the experience you want to create.

Learn More Below ↓
Fee Model Comparison

Things to Consider

Choose the model that best fits your studio's pricing strategy.

🏪

Absorb Fees

Studio Pays
Credit Card
2.9% + $0.30
ACH
Flat $1.00
  • Cleaner, premium client experience
  • No surprise charges at checkout
  • Aligns with boutique fitness norms
  • Lower net revenue per transaction
  • Costs compound significantly over time
👤

Pass-Through Fees

Client Pays
Credit Card
2.9% + $0.30
ACH
Flat $1.00
  • Protects your margins exactly
  • Transparent about rising costs
  • Increasingly common across industries
  • Can feel like an extra charge to clients
  • Needs clear communication strategy
Studio Owner Resource

The Psychology Behind Fees

🍽️ Restaurants
✈️ Airlines
🏨 Hotels
🚗 Rideshare
🎭 Events
💈 Services
🛒 E-Commerce
Gas Stations
🍽️ Restaurants
✈️ Airlines
🏨 Hotels
🚗 Rideshare
🎭 Events
💈 Services
🛒 E-Commerce
Gas Stations

Surcharges are everywhere — restaurants, airlines, service businesses — all using them to offset rising costs. Consumers notice them, but they still pay.

The "Lock-In Effect": By the time a fee appears at checkout, most customers have already decided to buy. People are far more sensitive to the base price than the final total.

The Takeaway: Even when customers notice fees, they rarely change their decision if they've already committed. Upfront transparency is always better received than surprise charges.

🧠 Key Insights

Consumers focus more on base price than fees added later

Surcharges rarely stop a purchase once the decision is made

Businesses use fees to shift blame to external costs

Long-term trust matters — upfront transparency always wins

Interactive Calculator

See the Real Cost

Slide to set your monthly revenue and watch the numbers update instantly.

$15,000
Studio Pays

Absorb Fees

Monthly
$14,550
-$450 lost to fees
Yearly
$174,600
-$5,400 lost to fees
5-Year Net
$873,000
-$27,000 lost
Client Pays

Pass-Through Fees

Monthly
$15,000
$0 lost to fees
Yearly
$180,000
$0 lost to fees
5-Year Net
$900,000
$0 lost

Ready to Apply?

Choose your fee model and submit your Payabli merchant ID application.

or
Still not sure? Take the Quiz ↑