$value) { // The default-payout-fee field is shown in Rand for human-friendliness // but stored in cents. Convert before save. if ($key === 'zoho.payfast_payout_fee_default_cents') { $value = (int)round(((float)$value) * 100); } $row = db_row('SELECT `key`,`type` FROM app_settings WHERE `key`=:k', ['k'=>$key]); if (!$row) { setting_set($key, $value, 'string'); continue; } setting_set($key, $value, $row['type']); } header('Location: payment-fees.php?msg=saved'); exit; } $page_title = 'Payment Fees'; require __DIR__ . '/_guard.php'; $gateway_fees = setting_all_in_category('gateway_fees'); // Pull expense accounts from Zoho for the picker $expense_accounts = []; $bank_accounts = []; $zoho_load_error = null; if (zoho_is_configured()) { $r = zoho_request('GET', '/chartofaccounts?filter_by=AccountType.Expense&per_page=200'); if ($r['ok']) { $expense_accounts = $r['data']['chartofaccounts'] ?? []; } else { $zoho_load_error = 'Could not load expense accounts from Zoho (HTTP ' . $r['status'] . ').'; } // Load bank accounts (these are in the /bankaccounts endpoint, not chartofaccounts) $rb = zoho_request('GET', '/bankaccounts'); if ($rb['ok']) { $bank_accounts = $rb['data']['bankaccounts'] ?? []; } } $current_fee_account = setting_get('gateway_fee_account_id', ''); $current_payfast_account = setting_get('zoho.payfast_account_id', ''); $current_netcash_account = setting_get('zoho.netcash_account_id', ''); $current_real_bank = setting_get('zoho.real_bank_account_id', ''); $payout_fee_default_cents = (int)setting_get('zoho.payfast_payout_fee_default_cents', 1000); $auto_email_invoice = (int)setting_get('zoho.auto_email_invoice', 0); ?>

Payment Fees

Gateway fee rates and accounting category for auto-recording fees.

Settings saved.

Zoho expense category

Pick which Zoho Books expense account to charge gateway fees against. This should be "Bank Charges", "Merchant Fees", "Bank fees", or similar — not Bad Debt or Cost of Goods Sold. If you don't have a suitable account in Zoho yet, create one in Zoho Books → Accountant → Chart of Accounts → New Account and refresh this page.

No expense accounts found in your Zoho Books. Create one in Zoho first.

Currently selected:

Gateway bank accounts in Zoho

Pick which Zoho Books bank account represents each gateway. When a payment comes in, the customer payment AND the gateway fee are recorded against this account. If you don't have a "PayFast" bank account in Zoho yet, create one in Zoho Books → Banking → Add Bank Account as a manual account (no live feed needed).

No bank accounts found in your Zoho Books. Create one called "PayFast" in Zoho first.

Where PayFast deposits land. Used by the Payouts page to record transfers from PayFast → Bank.

Pre-fills the Payouts form. PayFast charges R8.70 + 15% VAT = R10.00.

The site will still send its own payment_received email regardless. This adds the formal Zoho invoice email on top.

Gateway rates

These rates are used to auto-record gateway fee expenses against your bank account when payments come in. Edit these to match your actual contract rates with PayFast and Netcash.

PayFast

str_starts_with($s['key'], 'payfast.')); foreach ($payfast_keys as $s): $suffix = str_contains($s['key'], 'percent') ? '%' : 'R'; ?>

Netcash

str_starts_with($s['key'], 'netcash.')); foreach ($netcash_keys as $s): $suffix = str_contains($s['key'], 'percent') ? '%' : 'R'; ?>