Palm Coast to Charge Processing Fees for Card Payments

The City of Palm Coast has announced that it will be assessing processing fees to residents for several payment methods starting on June 1st, 2025. The city stated in its announcement that it had been absorbing these fees previously, but will now be passing them on to the customer.

The fees will apply to payments made with credit cards, debit cards, ACH, and eChecks. The processing fees will be assessed whether residents make their payments in person or online. Transactions which are to be subject to these fees include utility bills, building and planning permits, business inspection fees, and others.

Charges which will not have the fees tacked on include cash payments, personal or company checks, money orders, and bill payments made directly through users’ bank.

The savings garnered by this change are estimated to be $700,000 according to a city spokesperson. Potential usages for these savings may include projects like essential services and infrastructure work throughout the city.

In their announcement the Palm Coast city government outlined the structure by which processing fees will be charged beginning on June 1st.

In-Person Payments

• Customer service payments with credit or debit card: 3.50% processing fee with a minimum fee of $2.50
• Community development payments with credit or debit card, or digital wallet: 2.45% processing fee with no minimum fee

Online Payments

• Utility bills made with credit or debit card, or digital wallet: $1.95 per transaction
• Utility bills made with ACH or eCheck: $0.43 per transaction
• All other non-utility payments made with credit or debit card, or digital wallet: 2.45% processing fee with no minimum fee
• All other non-utility payments made with ACH or eCheck: $0.43 per transaction

Transaction Limits

• Maximum online payment for non-utility billing (such as building permits): $50,000
• Maximum online payment for utility bills: $10,000