inLeague-Platform-Fees,-Stripe-Fees,-and-Refunds.md

@@ -4,13 +4,14 @@ inLeague Stripe Account Contact: Kira Killeen (kirakilleen@stripe.com) and Strip
 
 This page details how inLeague platform fees are collected, additional terms of service related to fee collection, how the amounts are determined, and which platform fees are refundable.
 
-Every league has several mechanisms available to collect fees:
+Every league has several mechanisms available to collect fees, either via credit card (all mechanisms) or ACH Direct Debit (registration payments, event payments, and hosted tournament payments)
 
 1. Player registration payments
 2. [Team-level payments](https://confluence.inleague.org/pages/viewpage.action?pageId=3014674) (payments made and credited to a team to which the player is assigned)
 3. Event signups
 4. [Invoice templates](https://confluence.inleague.org/display/IUG/Invoicing+and+Payment+Templates)
-5. Donations and Sponsorships
+5. [Hosted Tournament Fees and Referee Deposits](https://gitlab.inleague.io/content/guides-and-documents/-/wikis/Tournament-Hosting-Module)
+6. Donations and Sponsorships
 
 inLeague collects **Platform Fees** on most transactions processed through inLeague. These platform fees are distinct from Stripe Fees that go to the merchant services processor; while inLeague negotiates a group discount for Stripe fees, we do not have anything to do with them and do not receive any portion of them.
 
@@ -20,13 +21,11 @@ How and when platform fees apply depends on the mechanism used (see below). **St
 
 Any program, activity, or event for which inLeague is used in any capacity to manage or register players or volunteers that also collects fees must use inLeague to collect those fees. Exceptions are made depending on the particular requirements of the program (e.g. participation in an external provider of youth sports by a team originating in inLeague) where it is not possible to use inLeague. Absent such an exception, no event or program may be hosted on inLeague that collects a fee if that fee is collected offline or elsewhere.
 
-## Stripe Fees and Refunds - Credit Cards (2.7% + 30 cents); add'l fees for International Cards
+## Stripe Fees and Refunds - Credit Cards (2.7% + 30 cents)
 
-Stripe ordinarily charges 2.9% + 30 cents of all transactions; inLeague has negotiated this down to 2.7% + 30 cents for all of our customers. International cards are assessed an additional 1.5% fee and/or 1% for currency conversion;  leagues control whether to accept these cards in their Stripe dashboards.
+Stripe ordinarily charges 2.9% + 30 cents of all transactions; inLeague has negotiated this down to 2.7% + 30 cents for all of our customers. **International cards are assessed an additional 1.5% fee** and/or 1% for currency conversion; leagues control whether to accept these cards in their Stripe dashboards.
 
-Long ago, credit card fees were not charged on transactions refunded prior to 'settling' (within the first 12-24 hours after the original charge). This is no longer the case. **Stripe fees are non-refundable.**
-
-Stripe (and inLeague) will still allow a full refund, but the league is responsible for the Stripe Fee 'portion' of the transaction.
+Under all circumstances, whether a transaction is refunded or not, **Stripe fees are non-refundable.** Stripe (and inLeague) will still allow a full refund, but the league is responsible for the Stripe Fee 'portion' of the transaction.
 
 **Example**: A parent donates $100 to the league on Monday. Stripe deducts (0.27 \* $100) + 0.30 == $3.00. The league nets $97 to their Stripe account balance. On Friday, the league refunds the full $100 to the parent. The league "nets" **-$3.00**, which is subtracted from their Stripe account balance (or their bank account, if they do not have a positive Stripe account balance).
 
@@ -40,6 +39,7 @@ Beginning in 2025, leagues may now accept payments via ACH Direct Debit. These p
   * **Instant Verification** through which the customer logs into their bank and establishes a direct link between Stripe and their bank (which may only be used by your league). This allows the customer to pay via ACH Debit immediately, but carries a fee of **$1.50**, regardless of whether or not the customer actually pays via direct debit, or even pays at all.
   * **Manual verification** in which the customer enters their account and routing number and Stripe then makes **microdeposits** -- usually two transactions of less than $1. This can take 1-2 days and the customer cannot pay via ACH Debit (and potentially not complete registration or whatever payment they were attempting) until it is complete.
 * Payments may be **declined** after they are initiated, meaning a registration could be activated based on the presumption of a successful payment, but then canceled if the customer's bank reports insufficient funds or incorrect account details. If a payment fails in this manner, Stripe will assess a fee of **$4.00** to the league (not to the customer!).
+* ACH Direct Debit is not yet supported for donations, sponsorships, team-level payments, or invoice template payments (aside from registration payments using invoice templates). Support for these mechanisms will be added in 2025.
 
 In the event a customer disputes either a credit card or ACH Debit payment, Stripe charges the league $15, regardless of how the dispute is resolved. inLeague does not have anything to do with these fees or with the dispute process; they are handled directly between the league and Stripe.