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Billing Policy

Last updated September 25, 2026

How OAK charges

OAK charges a transaction fee on each card payment you process through your OAK account — at the counter, with a saved card, by keyed entry or through your OAK online store. The standard fee is 2% of the payment amount. The fee that applies to your account is shown to you, and accepted by you, when you sign up.

There is no monthly subscription, no setup fee, no minimum and no long-term contract. Every OAK account includes every feature, with unlimited staff logins, products and orders.

How the fee is collected

  1. Card payments run through your own Stripe account, connected to OAK. OAK’s fee is collected automatically by Stripe from each payment at the time it is processed, from your side of the transaction. We never send you a separate bill for it.
  2. Nothing is added to the amount your customer pays. Your customer pays the price you set.
  3. Card processing fees are charged separately by Stripe, at your own Stripe rates and under your own agreement with Stripe.
  4. Payments you take outside OAK, including cash, carry no OAK fee.

Refunds

When you refund a customer, in full or in part, OAK’s fee on the refunded amount is returned to you. You never pay OAK a fee on money you gave back.

Changes to your fee

  1. OAK may change the standard fee offered to new accounts at any time.
  2. A change to the fee on your account takes effect only after you review and accept it in your OAK Back Office. Until you do, your current fee continues to apply, and a new fee never applies to a payment processed before you accepted it.
  3. We will let you know about a proposed change by email and inside the Service.

Getting started

Because there is no monthly fee, there is no trial period and no card needed to start: you pay nothing until you process a card payment through OAK.

Cancellation and termination

  1. You can stop using OAK at any time. There is no cancellation fee, and no further fees are charged after you stop processing payments through OAK. Fees on payments processed before you cancel are not refunded, except as described under Refunds.
  2. To close your account, send a request through https://oakpos.com/support or email [email protected], so we can make sure your account is terminated safely.
  3. Your data will be permanently deleted from the Service after your account is closed. Please export your customers and order history before you cancel.

Taxes and changes to the Service

  1. All fees are exclusive of any and all taxes imposed by taxing authorities, and you shall be responsible for payment of all such taxes excluding only US (federal or state) taxes.
  2. Oak Inc. reserves the right at any time to modify or discontinue one or more parts of the Service on reasonable notice, except where technical contingencies cause disruption without notice.
  3. You agree to periodically review OAK POS pricing and policies made available on the oakpos.com website in order to stay informed.
  4. Oak Inc. shall not be liable to you or any third party for any modification, price change, suspension or discontinuance of the Service.

Be sure to review the Merchant User Agreement for additional terms and conditions of the OAK POS Service, of which this Billing Policy is a part.