Home › Fee Schedule
Merchant DisclosureWhat you pay to accept cards through KaloDesk. Interchange passed through at cost, one clear markup, and every other fee listed on this page.
You pay the card networks' actual cost, plus our fee. Nothing is bundled or marked up in between.
| Fee | Amount |
|---|---|
| Interchange & network assessments Set by Visa, Mastercard, Amex and Discover. Varies by card type. |
Passed through at cost |
| KaloDesk processing fee Applied to every card transaction, in person or online. |
0.85% + $0.20 |
| American Express No separate Amex rate — priced the same as other card brands. |
Same rate |
| Monthly account fee | None |
| Setup & onboarding | None |
| Standard payout Deposited to your bank account on the next banking day. |
No charge |
Interchange is what the card-issuing bank charges, and it is the largest part of any card fee. A regulated debit card may cost as little as 0.05% + $0.22, while a premium rewards credit card can exceed 2.30%. Because we pass it through at cost, your effective rate reflects the cards your customers actually hand you — not an average across every merchant on the platform.
Cash-discount pricing changes who carries this. KaloDesk sets a cash price and a card price for every service and product, and the customer-facing tablet shows the client the difference before they choose. Run that way, the processing cost above is carried by the card price rather than out of your margin — a client paying cash pays the lower price, and a client paying by card covers the fee. Cash-discount pricing is optional: switch it off and you absorb the fees yourself, and the rates on this page are unchanged either way.
These apply only when the corresponding event happens. Most salons never see most of them.
| Fee | Amount |
|---|---|
| Dispute / chargeback Charged per dispute, including inquiry requests, regardless of outcome. |
$25.00 |
| PCI non-compliance Per month, until your annual Self-Assessment Questionnaire is completed. |
$35.00 / month |
| Stored card on file Per card securely stored, e.g. for no-show protection. |
$0.25 |
| Instant payout (optional) Only if you request funds ahead of the standard schedule. |
1.50% of payout |
| Cross-border card When a customer pays with a card issued outside the United States. |
1.00% |
| Refunded transactions The refunded amount is returned to your customer in full. |
Original fees not returned |
A note on PCI compliance. Card network rules require every merchant to complete a PCI-DSS Self-Assessment Questionnaire within 90 days of opening an account, and once a year after that. It is a short online form, there is no charge for completing it, and we will send you the link and a reminder well before the deadline. The $35 monthly fee above applies only if it goes uncompleted.
Effective date. This schedule takes effect September 5, 2026 and replaces any previous schedule.
Changes. We will give you at least 30 days' written notice before any fee on this page changes. Interchange and network assessment costs are set by the card networks and can change without notice — because we pass them through at cost, those changes reach you unchanged, neither marked up nor absorbed.
What's included. There is no separate charge for the payment terminal software, recurring or deposit handling, refunds, or payments support. Card storage is billed per stored card, as listed above. Your KaloDesk subscription and this processing schedule are the complete cost of running payments.
Third-party costs. Fees charged by parties outside KaloDesk — such as your bank's returned-item charges — are passed through at cost if they occur.
Questions. Email hello@kalodesk.com and we will walk through any line on this page against your own statement.
Payment processing services are provided through Finix Payments, Inc. and its sponsor bank. KaloDesk is a trade name of Diverse Service Corporation.