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Updated gWorks Payments Fee Structure

We've made some updates to our payment processing structure designed to make payments simpler and more transparent for both you and your residents.

What's Changed

gWorks is now covering certain payment processing fees that were previously passed through to you. You’ll still see them on reporting, but gWorks will now absorb them instead of passing them through to you.

  • Daily Deposit Fee
  • Account Updater / Credit Card Updating Fee
  • Funds Transfer Fee

You will still be responsible for refunds, chargebacks, and dispute-related deductions (see merchant fees below).

What this Means for You

  • Full Deposits: Every payment arrives in full, no fees deducted
  • Simpler Reconciliation: Deposit totals match the exact payments received, making bookkeeping easier.
  • Less Back-and-Forth: A clearer structure means fewer payment questions for your staff and smoother operations overall.

Credit Card Third-Party Payment Processing Fee

Fee: 4% of the payment amount, or $3 minimum

Who pays it: The resident making the payment

What it means:

  • If a resident pays a smaller bill (say $40), they'll pay the $3 minimum.
  • If they pay a larger bill (say $200), they'll pay 4% ($8).
  • Either way, your agency still receives the full $40 or full $200 into your account. Nothing is taken out of your deposits.

Your benefit: You will always receive the full payment amount into your account.

ACH Fees

Fee: A flat dollar amount based on the size of the transaction

Who pays it: The resident making the payment

What it means:

  • Payments up to $500 → $3 fee
  • Payments $500.01-$1,000 → $4 fee
  • Payments $1,000.01-$5,000 → $5 fee
  • Payments over $5,000.01 → $10 fee

Your benefit: You will always receive the full payment amount into your account.

Merchant Fees

These fees are rare and only apply if there's a problem with a transaction. They are billed to the municipality to ensure disputes, returns, or failed payments are handled quickly and fairly, while residents continue to see only the standard third-party payment processing fees.

Disbursement Failure Fee: $25

  • Fee charged when bank deposit attempt fails from payment processor.

Chargeback: $25

  • When a resident disputes a transaction with their bank.

eCheck Return: $10

  • When a payment cannot be completed (e.g., insufficient funds.)

Arbitration: $15

  • When a disputed transaction requires arbitration.

Retrieval Request: $25

  • When documentation of a transaction is requested by a card issuer.
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