No it does not. Our 3.49% fee is on top of any fees that your payment processor (PayPal/Stripe etc...) charges.
This is the main reason why we can afford to offer Gift Up! without any recurring monthly/annual/setup fees.
We recommend using Stripe as a payment processor as the fees are the lowest and the customer payment experience is the best.
How to pass fees onto your customers
If you wish to pass on our fee to your customers, you can opt to do so. Find out more here