At checkout you choose:

• Bank Account (ACH) - routing and account number. No surcharge.
• Credit Card - adds a 3.5% surcharge.
• Payment Code - a prepaid code that covers some or all of the fees. See the Pay Codes articles.

Some events also add a 3% processing fee. That is set by the event director, not by the payment method - some directors absorb it instead.

Paying by bank account is the cheaper option on any event.