Installments and the convenience fee

Who pays the installment interest, how the convenience fee works, what the cap is, and what the buyer sees at checkout.

Two things can be added to a ticket's final price beyond the amount you set: the installment interest and the convenience fee. Both are configured in the same place — Integrations › Asaas › Settings — and both are your choice.

Who pays the installment interest

When a buyer pays in installments, the gateway charges you more than it would for a single payment. Under Who pays the interest you decide who covers that difference:

The organizer absorbs the interest — the buyer pays the same total on any plan. 12 × $10.00 on a $120.00 ticket. The difference comes out of your payout.
The buyer pays the interest — the total rises with the number of installments, and the buyer sees exactly how much more they are paying before confirming.

You can change this whenever you like. It applies to purchases made from then on — nothing changes for orders already paid.

The interest is not being passed on to buyers yet. Like the convenience fee further down, this choice is saved but does not change any price yet: until Baila switches buyer-paid fees on, you absorb the interest on every plan. We'll tell you when that changes.

When the buyer pays the interest, checkout shows the single-payment price, the number and value of the installments, the financed total and how much of it is interest. This is not optional: Brazil's consumer code (art. 52) requires it to be disclosed before the purchase.

The fan club's annual plan has its own choice

The setting above covers tickets. The fan club's annual upfront plan — where a member pays 12 months at once, split into card installments — has a separate control under Fan clubs › (the club) › Billing methods, and it does not follow what you set here. If you want the same behaviour in both places, you have to configure both.

Why 12× is sometimes a few cents cheaper than 11×

Each installment is rounded up to the cent. Because the rounding happens per installment, one plan's total can land a few cents below another plan with fewer installments. It is a matter of cents, and the buyer always sees each option's exact total before choosing.

The convenience fee

The convenience fee is not being charged yet. You can set it up now — the value is saved and validated against the cap — but no buyer pays a convenience fee until Baila switches buyer-paid fees on. We'll tell you when that happens. Until then the dashboard shows what the buyer pays today, without the fee.

This is an amount you add to the ticket that the buyer pays as part of the purchase. It appears as its own line at checkout — "Convenience fee" — never folded into the ticket price.

It applies to every payment method, including Pix.

The cap

The fee has a ceiling, and the ceiling is not a fixed number: it is derived from what getting paid costs you.

cap = gateway's single-payment rate + Baila's share + 1% of headroom

With a 2.99% rate and Baila's 3% commission, the cap is 6.99%. If Asaas renegotiates your rate downward the cap falls with it — and if you had saved a value above the new cap, we charge the cap rather than the old value. The dashboard tells you when that happens.

The reasoning is simple: the convenience fee exists so that the cost of getting paid doesn't come out of your margin, with a little headroom on top. It is not a channel for marking the ticket up — to do that, raise the ticket price.

Where to set it

Go to Integrations › Asaas › Settings.
Under Gateway rates you'll see what Asaas charges you today, by payment method and installment band. The cap is derived from these numbers.
Under What the buyer pays, drag the convenience-fee slider. Beside it the dashboard shows exactly what a buyer would see on a $100.00 ticket — with the installment settings and interest choice currently on your screen.
Click Save fee.

If you haven't saved and validated your Asaas API key yet, we don't have your account's rates and the convenience fee is unavailable — without the rates there is no way to work out the cap. Connect the gateway first.

What the buyer sees

In the order summary: the ticket total and, when there is one, the "Convenience fee" line, added into the total.
When choosing a plan: each option with its number and value of installments.
Before paying: the single-payment price, the chosen plan, the interest in currency, the financing cost as a percentage and the total — all on one screen.
On the receipt: the total actually charged, with the convenience fee itemised.

Common questions

Can I charge a convenience fee on some events only? No. The fee is set per organization and applies to all of your events.

Does the convenience fee reach my payout? It is part of the total charged to the buyer. What is left for you after the gateway's costs and Baila's commission is what the cap protects.

What happens if I refund the order? The buyer is refunded the full amount they paid, including the convenience fee and any installment interest.

Does changing the interest setting affect people who already bought? No. Each order records the terms in force at the moment of purchase.

Installments and the convenience fee

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