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Feature · Payments & processing
The payment terms schools always deserved.
Transparent processing, a zero-cost option that passes card fees to families who choose cards, and one rate you can actually read. Built by a payments company — your plan fee is credited back when you process with 613OS Payments.
Live in 3 days*25 tools replacedFree data migrationUnlimited members · no per-member feesNo tech skills needed
*Subject to approval.
The problem
Sound familiar?
Processing fees quietly eat the budget2.9% on $3M of tuition and donations is $87,000 a year — larger than a teacher's salary — vanishing into fees nobody scrutinizes.
Opaque statementsLegacy school processors bury effective rates in monthly statements no human can parse. Most schools genuinely don't know what they pay.
Software fees on top of processingYou pay the tuition platform, and then you pay processing on top. Two bills for one function.
What 613OS does
Built to make this disappear
One processor, one dashboard, one rate — and every payment lands on the right family record.
Every payment methodCredit, debit, ACH bank transfer, Apple Pay, and Google Pay — families pay how they prefer, on any device.
Zero-cost processing optionEnable compliant surcharging and card-paying families cover the card fee; ACH stays free for everyone. The school keeps 100% of every dollar.
Plan fee credited back with 613OS PaymentsProcess with 613OS Payments and your plan fee is credited back for as long as 613OS Payments is your processor of record for tuition, dues and donations; card and ACH processing fees apply, and the credit ends 30 days after notice if you switch processors.
Transparent per-transaction reportingEvery fee itemized on every transaction. No mystery deductions, no buried effective rates.
One platform for every dollarTuition, donations, meals, store, programs, events — one processing relationship, one statement, one support number.
Fast, itemized settlementsDeposits map to the exact families and campaigns they contain, on a predictable schedule your bookkeeper can plan around. Funds settle to the school's own bank account — 613OS never holds your money.
30–40%lower card fees, typically, after we take over the account
Free softwareSee how you can get the software for free by processing payments or payroll with us →$1 flatper ACH (bank) payment — never surcharged
We specialize in lowering card rates for 501(c)(3) organizations: schools typically save 30–40% on card fees after we take over the account.
No-cost option: compliant surcharging or a pass-through line on your own tuition contract — the school pays nothing to accept cards, and ACH is never surcharged. Rates: cards 2.9% + 30¢ · ACH $1 flat · returned payment $25 at cost · never a per-family fee. Each school signs its own merchant application.
Every other platform earns more when you spend more. 613OS earns more when you collect more.
We earn on what flows through the platform — that's the whole model. We're not giving away revenue. We're removing the reason you'd say no.
Works together with
Related features
Banking & treasurySame-day deposits, interest on balances, and staff expense cards — on the same dashboard as collections.Learn more →Tuition collectionPayment plans per family, autopay on schedule, and failed payments chased politely on their own.Learn more →Reporting & analyticsSettlement reports itemized by student, campaign, and program — reconciliation becomes review.Learn more →
Frequently asked questions
What is embedded payments processing?
Embedded payments processing means the payment system is built into the school platform rather than bolted on through a third-party processor. Every tuition charge, donation, and event ticket lands on the right family record automatically, with transparent pricing — cards 2.9% + 30¢, ACH $1 flat — and an optional zero-cost surcharge program.
Why does embedded processing cost less than a bolt-on processor?
Bolt-on setups include a markup the software company takes from the processor. Because 613OS is a payments company that built software — not the reverse — that middleman layer disappears. Office is $99/month and Pro is $247/month on an annual plan ($119 and $297 billed monthly); Enterprise is priced on the demo. Process with 613OS Payments and your plan fee is credited back for as long as 613OS Payments is your processor of record for tuition, dues and donations; card and ACH processing fees apply, and the credit ends 30 days after notice if you switch processors.
What is the zero-cost surcharge option?
Surcharging passes the card processing fee to credit-card payers as a disclosed line item, so the institution receives the full amount. It applies to credit cards only, never debit, ACH is never surcharged, and it is offered where permitted with the required disclosures — the compliant version of 'the school shouldn't eat the fee.'
What payment methods are supported?
Credit and debit cards, ACH bank debits, Apple Pay and Google Pay, in-person terminals, tap-to-pay on a phone, QR codes, and keyed-in virtual terminal payments — all reconciling into the same reports and the same family records.
How fast do funds reach the school's bank account?
Settlements follow standard next-business-day timing for most transactions, with every deposit itemized by student, campaign, and program so the bookkeeper can reconcile what hit the bank against who paid for what. Funds settle to the school's own bank account — 613OS never holds your money.
See payments & processing running at your school
Book a 30-minute demo and we'll show you exactly how this would run at your institution — your numbers, not our claims. Surcharging offered where permitted by applicable law and card-network rules, with required disclosures; surcharges apply to credit cards only (never debit) and never exceed the cost of acceptance.
613os.com/demo · 305-954-7362 · yoni@613os.com