B2B Payment Surcharge Automation for Shopify Draft Orders
The Opportunity
Automatically apply or remove payment-method surcharges on Shopify B2B draft orders based on how the customer chooses to pay. This removes manual edits and helps wholesalers preserve margin on card payments while keeping ACH checkout fee-free.
"Merchants running B2B draft orders manually add a credit card processing fee as a custom line item and then remove it when the customer pays by ACH, which is time-consuming and error-prone."
Market Validation
Detailed Analysis
Proposed Solution
A Shopify app that detects payment method selection during invoice checkout or payment capture and automatically adds a configurable surcharge only for card payments, with rules for subtotal/shipping percentage or flat fee and exclusions for ACH.
Target Audience
Shopify B2B merchants, wholesale stores, and merchants using draft orders/invoices with mixed payment methods
Competitive Landscape
FeeBee, Surcharges-related Shopify apps, wholesale/invoice apps with fee rules
Implementation Notes
Need to integrate with draft order workflows, invoice/payment events, and possibly checkout/payment method detection; support configurable surcharge rules by payment type, customer tags, and order attributes; must handle Shopify limitations around payment surcharges cleanly, ensure tax calculations are correct, and avoid double-charging or fee application on ACH/manual payments.
Evidence from Merchants
Real quotes from Shopify community forums
"Right now we manually add a 3% credit card processing fee as a custom line item."
"Ideally, Shopify would automatically add the 3% fee only if the customer chooses credit card when completing the order."
"Shopify support says there’s no native way to do this and suggested third-party apps, as usual."
Key Pain Points
Manual addition and removal of credit card processing fees for draft orders
highMentioned by 1 merchants
Impact: Time-consuming manual process could lead to errors and customer dissatisfaction.
Market Metrics
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