Production default
pendingThe setting remains off until every activation gate passes.
Settings - Money
Payer-paid card fees
Review the payer-paid card fee model, disclosure, excluded payment methods, ledger lines, and production activation gates.
Otto Fixture BPPE Career School - Card fee proof
School Administrator ยท Sam Director
Payer-paid card fees
Off by default, previewed with disclosure and ledger lines
This page proves the card-fee model without activating it. Otto shows ACH first as the no-fee option, previews a credit-card fee line, keeps debit and prepaid cards excluded, and blocks production activation until review gates pass.
Estimated annual card cost
$29,000.00
From $966,667.00 in local proof card volume.
Production blocked
Production activation gate
6 checks still block activation
Counsel review
blockedCounsel must approve surcharge wording and state constraints.
State and agency rules
blockedCA surcharge rules must be verified for this campus.
Catalog disclosure
blockedThe school catalog must disclose the fee before activation.
Enrollment agreement disclosure
blockedEnrollment agreement wording must match the catalog disclosure.
Card-brand notice
blockedAny required card-brand notice must be completed.
No-fee payment method
passedACH must stay available and visible as the no-fee option.
Debit and prepaid exclusion
passedDebit and prepaid cards must never receive the card fee.
Federal-funds exclusion
passedTitle IV funds, credit balances, and loan proceeds remain excluded.
Refund policy
blockedRefund handling for payer-paid fees must be counsel reviewed.
Ledger accounts
passedProcessing-fee expense and card-fee recovery accounts are mapped.
Payer checkout preview
ACH first, credit card fee disclosed
Bank account (ACH)
$500.00 with no card fee.
Base
$500.00
Card fee
$0.00
Total shown
$500.00
ACH remains the no-fee option.
Credit card
Tuition payment $500.00 + card fee $15.00 = total $515.00.
Base
$500.00
Card fee
$15.00
Total shown
$515.00
Production card-fee collection is off by default.
Debit card
$500.00 with no card fee.
Base
$500.00
Card fee
$0.00
Total shown
$500.00
Debit and prepaid cards are excluded.
Employer invoice
$500.00 with no card fee.
Base
$500.00
Card fee
$0.00
Total shown
$500.00
Third-party payers are invoiced separately without card fees.
Federal aid marker
$500.00 with no card fee.
Base
$500.00
Card fee
$0.00
Total shown
$500.00
Title IV funds, credit balances, and loan proceeds cannot receive payer-paid card fees.
Disclosure and receipt
Separate fee line before confirmation
Tuition payment $500.00 + card fee $15.00 = total $515.00.
A no-fee bank transfer option is available. This card fee is a pass-through estimate of the school's card cost; Otto keeps none of it.
Tuition payment$500.00
Card fee$15.00
Total$515.00
PaymentIntent preview
Total charge includes the disclosed fee
Endpoint
https://api.stripe.com/v1/payment_intents
Stripe-Account
acct_test_bppe_career_001
Base amount
$500.00
Card fee
$15.00
PaymentIntent amount
51500
Idempotency key
otto:tenant_bppe_career:card-fee-preview:credit-card-preview
FieldValue
amount51500
currencyusd
automatic_payment_methods[enabled]true
metadata[tenant_id]tenant_bppe_career
metadata[student_id]student_maya_rivera
metadata[enrollment_id]enrollment_maya_mbc_2026
metadata[tuition_principal_cents]50000
metadata[payer_paid_card_fee_cents]1500
metadata[processing_fee_passthrough]school_cost_only
metadata[otto_fee_cents]0
metadata[fee_disclosure_snapshot]card-fee-disclosure-2026-10-12-v1
Ledger lines
Fee recovery and processing cost stay separate
No.AccountDebitCredit
11030 - Stripe clearingNet card payment expected after Stripe processing fee$500.00-
26420 - Card processing fee expenseEstimated Stripe processing cost$15.00-
31100 - Student receivableTuition principal paid by student-$500.00
44910 - Card fee recoveryPayer-paid card fee offset, retained by school-$15.00
Total$515.00$515.00