diff --git a/.env.example b/.env.example
index 9f378a6d67f8..ec281e283601 100644
--- a/.env.example
+++ b/.env.example
@@ -91,7 +91,8 @@ WEPAY_ENVIRONMENT=production # production or stage
 WEPAY_AUTO_UPDATE=true # Requires permission from WePay
 WEPAY_ENABLE_CANADA=true
 WEPAY_FEE_PAYER=payee
-WEPAY_APP_FEE_MULTIPLIER=0.002
+WEPAY_APP_FEE_CC_MULTIPLIER=0
+WEPAY_APP_FEE_ACH_MULTIPLIER=0
 WEPAY_APP_FEE_FIXED=0
 WEPAY_THEME='{"name":"Invoice Ninja","primary_color":"0b4d78","secondary_color":"0b4d78","background_color":"f8f8f8","button_color":"33b753"}' # See https://www.wepay.com/developer/reference/structures#theme
 
diff --git a/app/Ninja/PaymentDrivers/WePayPaymentDriver.php b/app/Ninja/PaymentDrivers/WePayPaymentDriver.php
index 1ebdc69e79e9..7398844c1404 100644
--- a/app/Ninja/PaymentDrivers/WePayPaymentDriver.php
+++ b/app/Ninja/PaymentDrivers/WePayPaymentDriver.php
@@ -56,12 +56,14 @@ class WePayPaymentDriver extends BasePaymentDriver
             $data['transaction_id'] = $transactionId;
         }
 
-        $data['applicationFee'] = (env('WEPAY_APP_FEE_MULTIPLIER') * $data['amount']) + env('WEPAY_APP_FEE_FIXED');
         $data['feePayer'] = env('WEPAY_FEE_PAYER');
         $data['callbackUri'] = $this->accountGateway->getWebhookUrl();
 
         if ($this->isGatewayType(GATEWAY_TYPE_BANK_TRANSFER, $paymentMethod)) {
             $data['paymentMethodType'] = 'payment_bank';
+            $data['applicationFee'] = (env('WEPAY_APP_FEE_ACH_MULTIPLIER') * $data['amount']) + env('WEPAY_APP_FEE_FIXED');
+        } else {
+            $data['applicationFee'] = (env('WEPAY_APP_FEE_CC_MULTIPLIER') * $data['amount']) + env('WEPAY_APP_FEE_FIXED');
         }
 
         $data['transaction_rbits'] = $this->invoice()->present()->rBits;
diff --git a/resources/lang/en/texts.php b/resources/lang/en/texts.php
index 5dc6bbc5e08d..4cec37d4a2d8 100644
--- a/resources/lang/en/texts.php
+++ b/resources/lang/en/texts.php
@@ -2055,7 +2055,7 @@ $LANG = array(
     'changes_take_effect_immediately' => 'Note: changes take effect immediately',
     'wepay_account_description' => 'Payment gateway for Invoice Ninja',
     'payment_error_code' => 'There was an error processing your payment [:code]. Please try again later.',
-    'standard_fees_apply' => 'Standard fees apply: 2.9% + $0.30 per successful charge.',
+    'standard_fees_apply' => 'Fee: 2.9%/1.2% [Credit Card/Bank Transfer] + $0.30 per successful charge.',
     'limit_import_rows' => 'Data needs to be imported in batches of :count rows or less',
     'error_title' => 'Something went wrong',
     'error_contact_text' => 'If you\'d like help please email us at :mailaddress',