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Credit‑card fees fall and autopay rises as Milwaukie considers e‑check options
Summary
Milwaukie staff reported credit‑card transaction fees have declined—from roughly $15,000/month in September 2025 to below $10,000 in March—while the number of auto‑draft accounts rose from 837 to 1,115, prompting further study of e‑check and ACH options to make payment methods easier for residents.
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Committee members pressed staff for clarity on payment options and the impact of the city’s recently adopted payment fees. Finance staff presented trend data showing credit‑card processing fees falling (about $15,000/month in September 2025 to about $9,600 in March) and an increase in autopay enrollment (from 837 accounts in September to 1,115 in March).
Members discussed alternatives such as bank bill‑pay, ACH/e‑check, and the potential to turn on e‑check facilities for residents; staff said any new electronic payment option would likely carry the same transaction fee unless the city absorbs the cost. Staff also noted that many residents prefer autopay timing flexibility and that clear instructions and easier enrollment could increase uptake. The committee asked staff to examine e‑check implementation details and to make enrollment easier for residents who want to avoid credit‑card fees.

