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Using Merchant Fee Profiles

Learn how to use Merchant Fee Profiles to earn revenue from payments.

Available Fees

Card Fees

Field Description
basis_pointsPercentage-based fee incurred against the full amount of each card-based Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
fixed_feeFee in cents incurred for each individual card-based Transfer.
charge_interchangeSet to True to incur interchange fees for card-based Transfers.
cross_border_fixed_feeFee in cents incurred for each individual card-based Transfer that is deemed to be cross-border (Non-US).
cross_border_basis_pointsPercentage-based fee incurred against the full amount of each card-based Transfer that is deemed to be cross-border (Non-US). Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
ancillary_fixed_fee_primaryFee in cents incurred for each individual Transfer.
ancillary_fixed_fee_secondaryFee in cents incurred for each individual Transfer.

Card Brand Specific Fees

Visa

Field Description
visa_basis_pointsPercentage-based fee incurred against the full amount of each Visa Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
visa_fixed_feeFee in cents incurred for each individual Visa Transfer.
visa_charge_interchangeSet to True to incur interchange fees for Visa Transfers.
visa_assessments_basis_pointsApplies to all Visa credit transactions.
visa_acquirer_processing_fixed_feeAll U.S.-based credit card authorizations acquired in the U.S. regardless of where the issuer/cardholder is located. If your business is based in the U.S., the acquirer processing fee will apply to all Visa credit card authorizations.
visa_credit_voucher_fixed_feeApplies to refunds.
visa_kilobyte_access_fixed_feeCharged on each authorization transaction submitted to Visa's network for settlement.
visa_base_II_system_file_transmission_fixed_feeApplies to all Visa transactions and is charged in addition to other transaction-based assessments.
visa_base_II_credit_voucher_fixed_feeApplies to all U.S.-based refunds.

Mastercard

Field Description
mastercard_basis_pointsPercentage-based fee incurred against the full amount of each MasterCard Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
mastercard_fixed_feeFee in cents incurred for each individual MasterCard Transfer.
mastercard_charge_interchangeSet to True to incur interchange fees for MasterCard Transfers.
mastercard_assessments_under1k_basis_pointsAssessment applies to Mastercard transactions less than or equal to $1,000.
mastercard_assessments_over1k_basis_pointsAssessment applies to Mastercard credit sale transactions greater than $1,000.
mastercard_acquirer_fees_basis_pointsFee is assessed on a business's gross MasterCard processing volume. This fee varies per acquirer based on MasterCard's assessed charge as it's distributed across the acquirer's portfolio of merchants. Generally, the ALF fee is a fraction of a basis point. For example, 0.0045%, 0.0075%, etc. are examples of a likely ALF fee.

American Express

Field Description
american_express_basis_pointsPercentage-based fee incurred against the full amount of each American Express Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
american_express_fixed_feeFee in cents incurred for each individual American Express Transfer.
american_express_charge_interchangeSet to True to incur interchange fees for American Express Transfers.
american_express_assessment_basis_pointsApplies to gross American Express card volume.

JCB

Field Description
jcb_basis_pointsPercentage-based fee incurred against the full amount of each JCB Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
jcb_fixed_feeFee in cents incurred for each individual JCB Transfer.
jcb_charge_interchangeSet to True to incur interchange fees for JCB Transfers.

Discover

Field Description
discover_basis_pointsPercentage-based fee incurred against the full amount of each Discover Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
discover_fixed_feeFee in cents incurred for each individual Discover Transfer.
discover_charge_interchangeSet to True to incur interchange fees for Discover Transfers.
discover_assessments_basis_pointsAssessment applies to gross Discover card transaction volume.
discover_data_usage_fixed_feeApplies to all U.S.-based authorization transactions.
discover_network_authorization_fixed_feeThis fee will apply to all Discover network authorizations and will replace the previously assessed Data Transmission.

Diner's Club

Field Description
diners_club_basis_pointsPercentage-based fee incurred against the full amount of each Diners Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
diners_club_fixed_feeFee in cents incurred for each individual Diners Transfer.
diners_club_charge_interchangeSet to True to incur interchange fees for Diners Transfers.

ACH Fees

Field Description
ach_fixed_feeFee in cents incurred for each individual Transfer.
ach_basis_pointsPercentage-based fee incurred against the full amount of an ACH (eCheck Debit). Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).
ach_basis_points_fee_limitMaximum ach_basis_points fee (in cents) incurred for each individual Transfer.

ACH Return Fees

Field Description
ach_debit_return_fixed_feeA fixed amount (in cents) that will be charged to the seller for receiving an ACH Debit Return.
ach_credit_return_fixed_feeA fixed amount (in cents) that will be charged to the seller for receiving an ACH Credit Return.

Dispute Specific Fees

Field Description
dispute_inquiry_fixed_feeApplied when a dispute is created in state INQUIRY.
dispute_fixed_feeApplied when a dispute is created or moved to state PENDING.

Creating Fee Profiles via API

Setting a fee profile is a two-step process:

  1. Create a fee_profile
  2. Update your merchant to use this new fee_profile for net new transactions
Certification Recommended

If you are looking to integrate these API calls, we recommend contacting our support team to certify these APIs.

Step 1: Create a Fee Profile

You can create a fee profile with the following API Request. Note that this API includes v2 in the route.

Fee Profile Request
curl "https://finix.sandbox-payments-api.com/v2/fee_profiles" \
    -H "Content-Type: application/vnd.api+json" \
    -u USjVJEMpMosSGRiuSQTzu1CN:8d27813a-1ec7-4a85-9aa2-0b83c893c81a \
    -X POST \
    -d '{
        "ach_basis_points": 20,
        "ach_basis_points_fee_limit": 500,
        "ach_fixed_fee": 30,
        "basis_points": 290,
        "ach_credit_return_fixed_fee": 0,
        "ach_debit_return_fixed_fee": 0,
        "fixed_fee": 30,
        "dispute_fixed_fee": 1500,
        "dispute_inquiry_fixed_fee": 1500
    }'
Fee Profile Response
{
    "id": "FPuwU91NMnzyTX8FQNWCZ8sG",
    "created_at": "2023-02-27T22:40:07.45Z",
    "updated_at": "2023-02-27T22:40:07.45Z",
    "ach_basis_points": 20,
    "ach_credit_return_fixed_fee": 0e-12,
    "ach_debit_return_fixed_fee": 0e-12,
    "ach_fixed_fee": 30,
    "american_express_assessment_basis_points": null,
    "american_express_basis_points": null,
    "american_express_charge_interchange": null,
    "american_express_externally_funded_basis_points": null,
    "american_express_externally_funded_fixed_fee": null,
    "american_express_fixed_fee": null,
    "ancillary_fixed_fee_primary": null,
    "ancillary_fixed_fee_secondary": null,
    "application": "AP2B4KfjaniJfPvs5hvKpGEe",
    "basis_points": 30,
    "charge_interchange": false,
    "diners_club_basis_points": null,
    "diners_club_charge_interchange": null,
    "diners_club_fixed_fee": null,
    "discover_assessments_basis_points": null,
    "discover_basis_points": null,
    "discover_charge_interchange": null,
    "discover_data_usage_fixed_fee": null,
    "discover_externally_funded_basis_points": null,
    "discover_externally_funded_fixed_fee": null,
    "discover_fixed_fee": null,
    "discover_network_authorization_fixed_fee": null,
    "dispute_fixed_fee": 1500,
    "dispute_inquiry_fixed_fee": 1500,
    "externally_funded_basis_points": null,
    "externally_funded_fixed_fee": null,
    "fixed_fee": 100,
    "jcb_basis_points": null,
    "jcb_charge_interchange": null,
    "jcb_fixed_fee": null,
    "mastercard_acquirer_fees_basis_points": null,
    "mastercard_assessments_over1k_basis_points": null,
    "mastercard_assessments_under1k_basis_points": null,
    "mastercard_basis_points": null,
    "mastercard_charge_interchange": null,
    "mastercard_fixed_fee": null,
    "qualified_tiers": null,
    "rounding_mode": "TRANSACTION",
    "tags": {},
    "visa_acquirer_processing_fixed_fee": null,
    "visa_assessments_basis_points": null,
    "visa_base_II_credit_voucher_fixed_fee": null,
    "visa_base_II_system_file_transmission_fixed_fee": null,
    "visa_basis_points": null,
    "visa_charge_interchange": null,
    "visa_credit_voucher_fixed_fee": null,
    "visa_fixed_fee": null,
    "visa_kilobyte_access_fixed_fee": null,
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/v2/fee_profiles/FPuwU91NMnzyTX8FQNWCZ8SG"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/AP2B4KfjaniJfPvs5hvKpGEe"
        }
    }
}

The response will return every field and how it’s currently set. You will want to store the id so you can use it in the future.

You can apply this fee_profile to as many merchants as you’d like. However, changes to the fee_profile will update across all merchants. You may choose to create a new fee_profile for every merchant or re-use one you've created in the past.

The following are our recommended fees to configure and the minimums and maximums for each see here for full list.

Increasing Fees

These fields have maximums our compliance team sets. If you would like to charge your sellers a higher fee than what is described above, please contact our support team to discuss your use case.

FieldDescriptionField Minimum ValueField Maximum Value
ach_basis_pointsPercentage-based fee incurred against the full amount of an ACH (eCheck Debit). Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).02000 (20%)
ach_basis_points_fee_limitMaximum ach_basis_points fee (in cents) incurred for each individual Transfer.0No restrictions
ach_fixed_feeFee in cents incurred for each individual Transfer.01000 ($10)
basis_pointsPercentage-based fee incurred against the full amount of each card-based Transfer. Calculated as one hundredth of one percent (1 basis point = .0001 or .01%).25 (.25%)500 (5%)
fixed_feeFee in cents incurred for each individual card-based Transfer.040 ($0.40)
ach_credit_return_fixed_feeA fixed amount (in cents) that will be charged to the seller for receiving an ACH Credit Return.0500 ($5)
ach_debit_return_fixed_feeA fixed amount (in cents) that will be charged to the seller for receiving an ACH Debit Return.0500 ($5)
dispute_fixed_feeApplied when a dispute is created or moved to state PENDING.02000 ($20)
dispute_inquiry_fixed_feeApplied when a dispute is created in state INQUIRY.02000 ($20)

Step 2: Updating your Merchant to use a new Fee Profile

To update your seller's fee profile, you need to know the merchant_profile of the merchant.

You can find the merchant_profile in the response body of a merchant. You can get the merchant profile by doing a GET on a merchant. It will be returned in the field called merchant_profile.

Merchant Resource
{
    "id": "MUmUL7aBsHkxVLQawJxEXw6N",
    "created_at": "2022-08-17T20:33:34.04Z",
    "updated_at": "2024-01-22T03:18:01.26Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "convenience_charges_enabled": false,
    "country": null,
    "creating_transfer_from_report_enabled": true,
    "currencies": null,
    "default_partial_authorization_enabled": false,
    "disbursements_ach_pull_enabled": false,
    "disbursements_ach_push_enabled": false,
    "disbursements_card_pull_enabled": false,
    "disbursements_card_push_enabled": false,
    "fee_ready_to_settle_upon": "RECONCILIATION",
    "gateway": null,
    "gross_settlement_enabled": false,
    "identity": "IDrH4G2VTfNjn1VFkvhcyMYj",
    "level_two_level_three_data_enabled": true,
    "mcc": null,
    "merchant_name": "John Smith",
    "merchant_profile": "MPjBZguwk8oJ9H5ouJo3jaG4",
    "mid": "FNXoj46ep1DSantwywsnVtP8J",
    "onboarding_state": "APPROVED",
    "processing_enabled": true,
    "processor": "DUMMY_V1",
    "processor_details": {
        "mid": "FNXoj46ep1DSantwywsnVtP8J",
        "api_key": "secretValue"
    },
    "ready_to_settle_upon": "RECONCILIATION",
    "rent_surcharges_enabled": false,
    "settlement_enabled": true,
    "settlement_funding_identifier": "UNSET",
    "surcharges_enabled": false,
    "tags": {
        "key_2": "value_2"
    },
    "verification": "VIvEoRW1UUces66vGcKFzdrR",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUmUL7aBsHkxVLQawJxEXw6N"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDrH4G2VTfNjn1VFkvhcyMYj"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUmUL7aBsHkxVLQawJxEXw6N/verifications"
        },
        "merchant_profile": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPjBZguwk8oJ9H5ouJo3jaG4"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "verification": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VIvEoRW1UUces66vGcKFzdrR"
        }
    }
}

Once you have the merchant_profile and the fee_profile from the previous request, you can run a PUT request on the merchant_profile. After you update the merchant_profile, your merchant will be updated with the fee_profiles you specified. All net new transactions will have this fee_profile. Any transactions that were created before the change will have the previous fee_profile applied.

Updating Merchant Profile
curl "https://finix.sandbox-payments-api.com/merchant_profiles/MPsJL7T9M6GT8G6TWJqsS2yb" \
    -H "Content-Type: application/vnd.api+json" \
    -u USjVJEMpMosSGRiuSQTzu1CN:8d27813a-1ec7-4a85-9aa2-0b83c893c81a \
    -X PUT \
    -d '{
        "fee_profile": "FPuwU91NMnzyTX8FQNWCZ8SG",
        "card_present_fee_profile" : "FPuwU91NMnzyTX8FQNWCZ8SG"
    }'

Only fee_profile is required in the request above.

  • If you do not supply a card_present_fee_profile, then the fee_profile will be applied to both online an in-person payments.
  • If a card_present_fee_profile field is provided, then the card_present_fee_profile's fee profile will be used solely for in-person transactions.
Updated Merchant Profile
{
    "id": "MPqwa1AXcfEh5fE4sxrk1HPy",
    "created_at": "2022-06-15T20:03:33.92Z",
    "updated_at": "2024-01-31T00:18:52.29Z",
    "application": "APf2jEV1r8CuHkxK6taZKerR",
    "card_present_fee_profile": "FP7ehCuoYhW7x5UuZjiY5P6b",
    "fee_profile": "FP7ehCuoYhW7x5UuZjiY5P6b",
    "payout_profile": null,
    "risk_profile": "RPgGN6su6ksk8NMSQBoK2VC1",
    "tags": {},
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPqwa1AXcfEh5fE4sxrk1HPy"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APf2jEV1r8CuHkxK6taZKerR"
        },
        "risk_profile": {
            "href": "https://finix.sandbox-payments-api.com/risk_profiles/RPgGN6su6ksk8NMSQBoK2VC1"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FP7ehCuoYhW7x5UuZjiY5P6b"
        }
    }
}