Payment rails available in Mallow
Mallow supports multiple payment rails – the digital networks used to move funds from your customer’s account to yours. Providing various options can help lower your processing costs and give your customers more flexibility at checkout.
Available Payment Methods
Card Networks: Standard Debit and Credit cards (Visa, Mastercard, American Express, Discover, etc.)
Digital Wallets: Apple Pay and Google Pay
Bank Transfers: ACH (for customers in the US) and EFT (for customers in Canada)
For details about the bank transfer workflow—including ACH Pending status and email notifications—see ACH bank transfer payments.
Fee Structure
Processing fees depend on the specific "rail" used for the transaction. Generally, bank transfers are the most cost-effective, while rewards-based credit cards carry the highest costs.
Payment Method | Typical Fee | Notes |
|---|---|---|
Debit cards | 0.35% | Lower risk and cost than credit cards |
Credit cards | 1.30% – 2.95% | Fee varies by card type (e.g. high rewards cards cost more than standard credit cards) |
ACH / EFT bank transfers | $0.20 | Flat fee, regardless of transaction size |
Apple Pay & Google Pay | 0.35% - 2.95% | Inherits the fee of the card stored in the digital wallet |
Important Considerations
Digital Wallets: Apple Pay and Google Pay are "pass-through" services. If a customer uses a debit card inside Apple Pay, you are charged the 0.35% debit rate. If they use a rewards credit card, the fee will be higher.
Bank Transfer Limits: ACH is a domestic payment rail tied to the United States Dollar (USD). As such, Bank Transfer payments are only available for USD invoices. See Invoice in USD and CAD for more.
Interchange Variance: Credit card fees fluctuate because "high-reward" cards (like travel or cash-back cards) require higher interchange fees to fund those customer perks.
Looking for a quick overview? See Mallow's fee structure explained for a plain-English summary of card fees, ACH fees, and what Interchange+ means in practice.