Transaction Fees are only generated on Pay Later listings once the item is sold.
Transaction fees are found on your My Bill page in your user dashboard. Once generated, you will have 30 days to pay. In the event you have outstanding fees older than 30 days, those fees will be charged to the credit card associated with your account on the 3rd of the month.
Your credit card is only charged if there is a balance owed. If you would prefer to use another form of payment you may navigate to My Bill, and pay your balance manually.
Past Due Example
On March 3, your credit card will be billed for any unpaid fees that are older than 30 days (January 1 - February 1).