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Merchant Fee Profiles

Finix lets you monetize payments with our easy-to-use Fee Profiles. We offer tools for customization, efficiency, and revenue growth. Finix provides over 60 fee options.

Finix offers the following pricing strategies:

Pricing StrategyDescription
Interchange PlusYour sellers pay the interchange rate set by the issuing banks plus a markup you can charge on top.
Interchange Plus and Dues & AssessmentsYour sellers pay the interchange rate and a separate pass-through of card network fees, called dues and assessments. Finix provides many of these dues and assessments at the transaction level.
Blended PricingTransactions are charged a single flat rate, such as 2.90% plus 30 cents. Additional features let you charge different rates for card brands like Visa, MasterCard, Discover, and American Express, as well as for different payment methods.

Creating Fee Profiles using the Finix Dashboard

To create a Fee Profile using the Finix Dashboard:

  1. From the left navigation, click Merchants to expand the menu.

  2. Click Merchant Accounts.

    Merchant Accounts list in Finix Dashboard for selecting a merchant to apply a fee profile

  3. Click a merchant to open their merchant details page.

  4. Click the Merchant Fee Profile tab and click Create a Custom Fee Profile.

    • If the merchant is not assigned a Fee Profile, a default Fee Profile is created for the merchant that inherits the application's Fee Profile.
    Create a Custom Fee Profile
    • The next screens let you edit the fees for the Fee Profile.

  5. Apply card-not-present fees to the merchant.

    • This lets you set processing fees for online card payments.
    • By default, a Blended pricing strategy is selected, letting you set a percentage rate and fixed fee that covers the markup, interchange, and other card fees the application plans to charge. You can also select Interchange Plus or Interchange Plus and Dues & Assessments pricing strategies.
    • You can also select Card Brand Overrides, which allow you to select a percentage rate and fixed fee based on the card brand.
    Card-Not-Present Fees

  6. Click Save and Continue.

  7. Apply card-present fees to the merchant.

    • This lets you set processing fees for in-person card payments.
    • By default, the same fees as online payments are applied.
    • To use different fees for in-person payments, untick the Apply Card-Not-Present Fee Profile checkbox.
    • When using a different set of fees, the pricing strategy is set to Blended, as with the default for card-not-present fees.
    Card-Present Fees

  8. Click Save and Continue.

  9. Next, set processing fees for ACH payments. You may apply additional charges for value-added services to all card and ACH payments.

    ACH Transfer Fees

  10. Click Save and Continue.

  11. Review the fees and click Submit.

    • You return to the merchant's details page with the ability to Edit the Fee Profile.

Viewing / Editing the Fee Profile

You can view a Fee Profile's fees from the merchant's details page > Merchant Fee Profile tab.

For example, in the screenshot below, the Card Brand Overrides (interchange) section shows fees for Visa, Mastercard, American Express, and more.

Merchant Fee Profile

You can also click Edit to update the Fee Profile.

Viewing Transaction Fees

You can view a specific transaction's fees in the Finix Dashboard or via the API.

Using the Finix Dashboard

To view a transaction's fees using the Finix Dashboard:

  1. From the left navigation, click Transaction Activity or Transactions to expand the menu.

  2. Click Payments.

  3. Click a transaction to open the transaction details page.

  4. Click View All Details.

  5. Scroll down to the Associated Fees section.

    • You will see the list of fees applied to the transaction.

      Payment Details - Associated Fees

  6. You can view the corresponding fees on the Fee Profile by navigating to the merchant's details page > Merchant Fee Profile tab:

    Merchant Fee Profile - Fees

Using the API

View transaction fees using the API by sending a request to the GET /fees endpoint with the ID of the Transfer or Authorization. The response lists all fees applied to the transaction.

In the response, fee_type: VISA_ACQUIRER_PROCESSING_FIXED corresponds to the visa_acquirer_processing_fixed_fee field on the Fee Profile.

{
  "_embedded": {
    "fees": [
      {
        "id": "FEuYERkdmeFjHbtzCotpCY87",
        "created_at": "2025-11-12T16:57:31.04Z",
        "updated_at": "2025-11-12T16:57:31.04Z",
        "amount": 2,
        "category": "PROCESSOR",
        "currency": "USD",
        "display_name": null,
        "fee_subtype": "PLATFORM_FEE",
        "fee_type": "VISA_ACQUIRER_PROCESSING_FIXED",
        "label": null,
        "linked_id": "TRnnQUqBwegR7dqJdXJ9KthJ",
        "linked_to": "TRnnQUqBwegR7dqJdXJ9KthJ",
        "linked_type": "TRANSFER",
        "merchant": "MUcCFbB9XJGE3fJcMu2egRJY",
        "tags": {},
        "_links": {
          "self": {
            "href": "https://finix.sandbox-payments-api.com/fees/FEuYERkdmeFjHbtzCotpCY87"
          },
          "merchant": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUcCFbB9XJGE3fJcMu2egRJY"
          },
          "transfer": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRnnQUqBwegR7dqJdXJ9KthJ"
          }
        }
      }
    ]
  }
}

You can view the corresponding fee on the Fee Profile by navigating to the merchant's details page > Merchant Fee Profile tab.