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Credit Card Fee removed in V17

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odoo
accountingv17creditcardFeesV17.2PayPal
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odoo
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Hi Leon,
I asked the same question 2 days ago. Have you found a solution?
It is rare for our customers to pay by card, so we can't offer online payments to everyone because regular customers could start paying by card instead of bank transfer and costing us a lot of money. The only ones who benefit from this move are big financial institutions.

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odoo
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We removed this feature because

  • it is not available with all payment providers
  • it is now illegal to charge additional fees for using credit cards in the EU
  • it is now illegal in the USA to charge additional fees for using credit cards if you only sell online (don't have physical stores)
  • it is now illegal in the USA to charge additional fees for using credit cards in Connecticut, Maine, Massachusetts, New York, and Puerto Rico
  • it is now illegal in the USA to charge additional fees for using debit cards or prepaid credit cards and we have no way of identifying these when used online
  • it is now illegal in the USA in many states to charge more the the actual amount of the fee incurred, which is the majority of cases is not possible to predict in advance (it often requires settlement and the actual fee is provided weeks after the transaction)
  • it is restricted in the USA in California, Georgia, Indiana, Iowa, Michigan, Ohio, Oklahoma, Pennsylvania, and Texas
  • policies for additional fees ('convenience fees') and the requirements to be able to charge them vary according to each credit card provider - Visa, Mastercard, Discover and often can't be uniformly applied to all sales a company makes - and it is highly discouraged by them (no surprise there!)
  • our cost / benefit analysis failed to provide a meaningful ROI for the code used to manage these fees
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odoo
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Thanks for commenting, Ray.
I hope we don't get these laws here, too. It's just a way to leech money from small businesses into big finance companies.
Might work well in retail but for industry, where card payments are few, it's just not worth offering online payments anymore as the costs and risk (of businesses paying by card that would normally pay bank transfer) outweigh the benefits.
I understand your cost / benefit analysis, however I do know businesses that are looking to move away from accounting software to an ERP and need this feature. There's a whole world outside the EU and USA.

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odoo
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"card payments are few" - then you can add a line to the Sales Order or the Invoice to increase the amount to cover the fee?

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odoo
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Thanks for your reply, Ray.
You can't really do that and offer online payments as bank transfer customers would not be charged fees. We could keep online payments disabled and only enable it when someone calls up and wants to pay by card and is ready to do so (also puts them on the spot). We would then have to reset their invoice to draft, add the line item, and send the link again. The next problem is the customer cannot download the updated invoice as Odoo doesn't update the downloadable PDF invoice details. We would have "print" the invoice to send it again in a separate email. It seems like a lot of steps involved.

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odoo
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Yet Odoo SA charges a 3.9% PayPal transaction fee on IAP-purchases for example...

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odoo
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Odoo doesn't charge the fee. We are charged (like anyone else) when taking Credit Cards or PayPal as payment.

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odoo
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*it is now illegal in the USA to charge additional fees for using credit cards if you only sell online (don't have physical stores)*

What is your source for this? I can't find any such policy online. The closest thing I can find is that you can't charge Convenience Fees (**which are** ***different*** **than surcharge, btw**) for Credit Card payments, if Credit Cards are your only accepted form of payment.

https://3dmerchant.com/blog/merchant-processing-services/2025-credit-card-surcharge-laws?utm_source=chatgpt.com

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odoo
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I have edited my answer to remove that statement. Odoo Partners can implement this feature for those who require it.

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odoo
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It's crazy Odoo removed this feature, but still charges 3,9% PayPal fee for IAP and Odoo subscriptions themselves.

Ray Carnes above says that Odoo doesn't charge it but PayPal does... but that's the whole point. We would like to charge a small fee at the check out for that (exactly like Odoo does), and motivate people to use a different provider.

If there is a workaround for this, please let me know. Odoo should place this relatively simple feature back to V17/18.

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odoo
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Can we please have this feature back and make it region locked instead? You are hurting all your other companies just because of one country and a few states. I often invoice thousands of dollars at a time and need to offer stripe payments but the fees add up quite quickly. Its not on Odoo to police what people charge and what laws the users abide by thats on each business owner operating in those regions.

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