Abstract: A system includes an authorization device and one or more payment servers for entering payment and payment card information and determining any issuing fees and any convenience fee for transactions paid using the two or more types of payment cards. The one or more payment servers are in electronic communication with a payment card financial network for authorizing and settling transactions entered by two or more types of payment cards. Each transaction may comprise one or more government and/or educational payments. The payment servers automatically determine the one or more convenience fees for each transaction. The authorization device allows the user to authorize the payment of the government or educational fees, any secondary fees and any convenience fees simultaneously with a single swipe or key entry of the payment card information, thereby automatically complying with payment card convenience fee requirements.