Let's break down the fees associated with credit card transactions. These fees cover the secure and convenient processing of each transaction by banks and platform services. On our platform, the cost for a credit card transaction is 3.89% + $0.29, which is paid by the sender. After this fee is deducted, the remaining amount is transferred to the recipient's balance. For instance, if you tip $100 using a credit card, a fee of approximately $4.35 (3.89% + $0.29) is applied, which will be added to your total payment. The sender's total payment will be $104.35, and the receiver will receive $100 in their account.