Fees Reference

This page documents how fees are represented and calculated for merchant integrations.

Fee Categories

• Deposit fees (Deposit.fee)
• Withdrawal fees (Withdrawal.fee)
• Settlement fees (Settlement.settlementFees)
• Merchant charges (MerchantCharge.chargeAmount)
• Network/gas fees (when applicable, usually represented in operational records)

Data Fields Used in API Models

• Deposit.fee, Deposit.commission, Deposit.commissionRate
• Withdrawal.fee, Withdrawal.commission, Withdrawal.commissionRate
• Settlement.totalFees, Settlement.feeRate, Settlement.settlementFees, Settlement.receivableAmount
• MerchantCharge.baseAmount, MerchantCharge.chargeAmount, MerchantCharge.chargeType

Charge Types

• PERCENTAGE: chargeAmount = baseAmount * chargePercentage
• FIXED_AMOUNT: chargeAmount = fixedChargeAmount
• HYBRID: percentage fee plus fixed amount

Rounding

• Round fee outputs to the precision required by the settlement currency.
• Keep internal calculations at higher precision where possible to avoid drift.

Practical Examples

Example A: Percentage Charge

• Base amount: 1000.00
• Charge percentage: 0.25% (0.0025)
• Fee: 2.50
• Net: 997.50

Example B: Fixed Charge

• Base amount: 300.00
• Fixed charge: 1.00
• Fee: 1.00
• Net: 299.00

Example C: Hybrid Charge

• Base amount: 500.00
• Percentage: 0.20% (1.00)
• Fixed: 0.50
• Total fee: 1.50
• Net: 498.50

Reconciliation Guidance

Use the following relationship:

netAmount = grossAmount - totalFees

For settlement operations, compare:

• requested amount
• applied fees
• receivable amount

This should align with transaction and settlement records used in your accounting system.