Credit Card Convenience Fee FAQs

Convenience Fee Information

Effective October 31, 2013, a 2.75% convenience fee (minimum fee $3.00) will apply to all payments made by credit card for NMC tuition, fees, and other student account charges related to academic courses.

These changes are being made to provide better security of personal information, provide more efficient processing of student refunds, and lower NMC’s cost of credit card transactions. (The high cost of credit card processing leads to higher tuition increases for all students. The convenience fee will only be paid by those who choose to pay by credit card, rather than being included in tuition for all students.)

Credit card payments for these charges are only processed through NMC Self-Service. Visa, MasterCard, Discover (including JCB, Diners Pay & China Union Network), and now American Express will be accepted.

You can avoid paying the 2.75% convenience fee by paying on NMC Self-Service with an e-check (ACH bank transfer from checking or savings account) or with a debit card. Debit card payments must be entered in the debit card menu option to avoid the fee. Payments by cash, check, or money order can be made in person at Student Financial Services (Tanis Building, main level), and checks and money orders can be mailed to Northwestern Michigan College, Student Financial Services, 1701 East Front Street, Traverse City, MI 49686.

These changes are only on the student account payments as described above and will NOT affect any other transactions on our campuses where credit cards are accepted.

We hope this page will answer any questions you may have:

What credit cards does TouchNet PayPath accept?

Visa, MasterCard, Discover (including JCB, Diners Pay & China Union Network), and now American Express will be accepted. If you need assistance paying with a credit card on NMC Self-Service, please contact Student Financial Services at 231-995-1035 or come to our office on Main Campus (Tanis Building, main level).

Why is NMC charging a fee for the use of credit cards?

Due to increasing operational challenges, a desire to provide a high level of security of personal information, and the increasing costs to process credit cards, NMC has contracted with a third-party company, TouchNet PayPath, to provide credit card processing services for certain student transactions (tuition, fees, and other charges related to academic courses). The fee is being charged by the third-party processor, not NMC. This will enable the college to continue to provide students with a credit card payment option.

Why is the convenience fee 2.75%? How was the percentage established?

2.75% is the amount established by our third-party credit card processor, TouchNet PayPath, to cover the credit card transaction fees assessed by credit card companies.

Is NMC unique in charging a convenience fee?

No. Many Michigan colleges and universities currently charge a convenience fee for credit card transactions, including Grand Valley State University, Ferris State University, Lansing Community College, Central Michigan University, and Mid-Michigan Community College.

Is there any way I can avoid paying a convenience fee?

You can avoid paying the 2.75% convenience fee by paying on NMC Self-Service with an e-check (bank transfer from your checking or savings account) or with a debit card. Debit card payments must be entered in the debit card menu option. If they are entered as a credit card, the convenience fee will apply. Payments by cash, check, or money order can be made in person at Student Financial Services (Tanis Building, main level), and checks can be mailed to Northwestern Michigan College, Student Financial Services, 1701 East Front Street, Traverse City, MI 49686.

Can I make a credit card payment over the phone?

No. Credit card payments for tuition, fees, and other charges related to academic courses cannot be made over the phone or via mail. This is a security measure to ensure confidentiality of your payment information.

Can I make a credit card payment in person?

Credit card payments can be made through NMC Self-Service from any location where you can access the Internet. This includes dedicated computers in the Student Financial Services Office, where you can get assistance with how to pay on line, and additional computers in the Tanis Atrium provided for your Self-Service access. They are not accepted at the front desk in Student Financial Services.

Often I receive checks from my credit card company. Can I use the routing number and account number on these checks to make an e-check payment?

No. The credit card company will not honor these checks used electronically. The payment will be returned as “account not found”. You may use these checks by mail or in person only. Mail to: Northwestern Michigan College, Student Financial Services, 1701 East Front Street, Traverse City, MI 49686

If I make a credit card payment in error, will my convenience fee be refunded?

No. The convenience fee is not refundable even if the payment to which it relates is canceled, refunded, credited, or charged back.

If I use a debit card as a credit card, will I be charged a convenience fee?

Yes. If you use your debit card in the credit card payment option to pay your student account charges, you will be charged the 2.75% convenience fee. You must choose the debit card option to avoid the fee.

Will the convenience fee that I am charged show up on my student account bill?

No. The convenience fee is assessed by the third party company, TouchNet PayPath, in addition to the payment. The convenience fee will appear on your credit card statement, but not on your student account. On your credit card statement, you will see two transactions: one for the student account payment, and one for the convenience fee.

Do these changes affect my payments for flight and housing deposits, Extended Education classes, transcripts, or admission fees?

No. These changes are only on the student account payments as described above and will NOT affect any other transactions on our campuses where credit cards are accepted.

If I receive a refund from my student account and I paid my charges with a credit card, will my card be refunded?

Yes. Refunds will go first to the credit card (s) used to pay for your account charges. If the refund is in excess of the credit card payment, the rest will go as an e-check if you set up direct deposit, or as a check. The convenience fee will not be refunded.

If I receive a refund from my student account and I paid my charges with a debit card, will my card be refunded?

No. Refunds for charges that were initially paid by debit card will be not be refunded to the card. The refund will be issued as an e-check if the student set up direct deposit, or as a check.

Questions? Contact Student Financial Services »

Academic
Programs

up arrowscroll bardown arrow