Abstract: A system for making payments from each payer of a community of payers to each supplier of a community of suppliers assesses a variable transaction fee to each supplier. The system comprises a database which associates, for each payer, identification of a group of transaction rates to apply to payments made by the payer. Associated with each transaction rate is a subgroup of suppliers to which the transaction rate applies on payments made by the payer. In response to receiving a payment instruction, a payment application generates a credit transaction to the account of the supplier in the amount of the payment less a transaction fee. The transaction fee is the amount of the first payment multiplied by the transaction rate, of the group of transaction rates associated with the payer, that associates with the subgroup of suppliers to which the first supplier is associated.