diff --git a/app/Ninja/Repositories/InvoiceRepository.php b/app/Ninja/Repositories/InvoiceRepository.php
index 7a57a79b56fd..13efd56e7274 100644
--- a/app/Ninja/Repositories/InvoiceRepository.php
+++ b/app/Ninja/Repositories/InvoiceRepository.php
@@ -1072,8 +1072,8 @@ class InvoiceRepository extends BaseRepository
             $fee = $invoice->calcGatewayFee($gatewayTypeId);
 
             $item = [];
-            $item['product_key'] = trans('texts.surcharge');
-            $item['notes'] = trans('texts.online_payment_surcharge');
+            $item['product_key'] = $fee >= 0 ? trans('texts.surcharge') : trans('texts.discount');
+            $item['notes'] = $fee >= 0 ? trans('texts.online_payment_surcharge') : trans('texts.online_payment_discount');
             $item['qty'] = 1;
             $item['cost'] = $fee;
             $item['tax_rate1'] = $settings->fee_tax_rate1;
diff --git a/resources/lang/en/texts.php b/resources/lang/en/texts.php
index 04ccc4789add..f94a4563ed06 100644
--- a/resources/lang/en/texts.php
+++ b/resources/lang/en/texts.php
@@ -2434,6 +2434,7 @@ $LANG = array(
     'next_reset' => 'Next Reset',
     'reset_counter_help' => 'Automatically reset the invoice and quote counters.',
     'auto_bill_failed' => 'Auto-billing for invoice :invoice_number failed',
+    'online_payment_discount' => 'Online Payment Discount',
 
 );