Merchant Fee Profiles
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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 Strategy	Description
Interchange Plus	Your sellers pay the interchange rate set by the issuing banks plus a markup you can charge on top.
Interchange Plus and Dues & Assessments	Your 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 Pricing	Transactions 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:

From the left navigation, click Merchants to expand the menu.
Click Merchant Accounts.
Click a merchant to open their merchant details page.
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.
- The next screens let you edit the fees for the Fee Profile.
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.
Click Save and Continue.
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.
Click Save and Continue.
Next, set processing fees for ACH payments. You may apply additional charges for value-added services to all card and ACH payments.
Click Save and Continue.
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.

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:

From the left navigation, click Transaction Activity or Transactions to expand the menu.
Click Payments.
Click a transaction to open the transaction details page.
Click View All Details.
Scroll down to the Associated Fees section.
- You will see the list of fees applied to the transaction.
You can view the corresponding fees on the Fee Profile by navigating to the merchant's details page > Merchant Fee Profile tab:

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.

Creating Fee Profiles via API

Creating a Fee Profile is a two-step process:

Create a Fee Profile.
Update the Merchant to use the new Fee Profile for new transactions.

Certification Recommended

To integrate these API calls, contact our support team to certify them.

Step 1: Create a Fee Profile

You can create a Fee Profile with the following API request:

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/fee_profiles \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "ach_basis_points_fee_limit": 50,
    "ach_basis_points": 30,
    "ach_credit_return_fixed_fee": 25,
    "ach_debit_return_fixed_fee": 30,
    "ach_fixed_fee": 40,
    "ach_notice_of_change_credit_fixed_fee": 12,
    "ach_notice_of_change_debit_fixed_fee": 25,
    "american_express_assessment_basis_points": 20,
    "american_express_basis_points": 10,
    "american_express_charge_dues_assessments": 12,
    "american_express_charge_interchange": true,
    "american_express_externally_funded_basis_points": 50,
    "american_express_externally_funded_fixed_fee": 25,
    "american_express_fixed_fee": 15,
    "ancillary_fixed_fee_primary": 32,
    "ancillary_fixed_fee_secondary": 80,
    "basis_points": 20,
    "card_cross_border_basis_points": 15,
    "card_cross_border_fixed_fee": 30,
    "charge_dues_assessments": true,
    "charge_interchange": false,
    "compliance_forms_overdue_fixed_fee": 20,
    "diners_club_basis_points": 90,
    "diners_club_charge_interchange": 180,
    "diners_club_fixed_fee": 25,
    "discover_assessments_basis_points": 50,
    "discover_basis_points": 12,
    "discover_charge_dues_assessments": 10,
    "discover_charge_interchange": 25,
    "discover_data_usage_fixed_fee": 15,
    "discover_externally_funded_basis_points": 60,
    "discover_externally_funded_fixed_fee": 20,
    "discover_fixed_fee": 35,
    "discover_network_authorization_fixed_fee": 30,
    "dispute_fixed_fee": 1500,
    "dispute_inquiry_fixed_fee": 1500,
    "eft_basis_points_fee_limit": 20,
    "eft_basis_points": 25,
    "eft_credit_return_fixed_fee": 35,
    "eft_debit_return_fixed_fee": 30,
    "eft_fixed_fee": 15,
    "externally_funded_basis_points": 15,
    "externally_funded_fixed_fee": 20,
    "fixed_fee": 20,
    "gross_monthly_fees_ach_basis_points": 15,
    "gross_monthly_fees_ach_fixed_fee": 15,
    "gross_monthly_fees_card_basis_points": 15,
    "gross_monthly_fees_card_fixed_fee": 15,
    "gross_monthly_fees_eft_basis_points": 15,
    "gross_monthly_fees_eft_fixed_fee": 15,
    "interac_basis_points": 20,
    "interac_fixed_fee": 25,
    "jcb_basis_points": 11,
    "jcb_charge_interchange": 20,
    "jcb_fixed_fee": 20,
    "mastercard_acquirer_fees_basis_points": 20,
    "mastercard_assessments_over1k_basis_points": 20,
    "mastercard_assessments_under1k_basis_points": 25,
    "mastercard_basis_points": 30,
    "mastercard_charge_dues_assessments": 15,
    "mastercard_charge_interchange": 22,
    "mastercard_fixed_fee": 18,
    "settlement_funding_transfer_ach_basis_points_fee_limit": 15,
    "settlement_funding_transfer_ach_basis_points": 10,
    "settlement_funding_transfer_ach_card_basis_points_fee_limit": 50,
    "settlement_funding_transfer_ach_card_basis_points": 30,
    "settlement_funding_transfer_ach_card_fixed_fee": 25,
    "settlement_funding_transfer_ach_credit_return_fixed_fee": 10,
    "settlement_funding_transfer_ach_debit_return_fixed_fee": 12,
    "settlement_funding_transfer_ach_fixed_fee": 10,
    "settlement_funding_transfer_eft_basis_points_fee_limit": 40,
    "settlement_funding_transfer_eft_basis_points": 20,
    "settlement_funding_transfer_eft_credit_return_fixed_fee": 20,
    "settlement_funding_transfer_eft_debit_return_fixed_fee": 18,
    "settlement_funding_transfer_eft_fixed_fee": 15,
    "settlement_funding_transfer_instant_payout_card_basis_points_fee_limit": 70,
    "settlement_funding_transfer_instant_payout_card_basis_points": 30,
    "settlement_funding_transfer_instant_payout_card_fixed_fee": 45,
    "settlement_funding_transfer_noc_credit_fixed_fee": 50,
    "settlement_funding_transfer_noc_debit_fixed_fee": 55,
    "settlement_funding_transfer_same_day_ach_basis_points_fee_limit": 50,
    "settlement_funding_transfer_same_day_ach_basis_points": 20,
    "settlement_funding_transfer_same_day_ach_fixed_fee": 35,
    "subscription_ach_basis_points": 12,
    "subscription_ach_basis_points_fee_limit": 12,
    "subscription_ach_fixed_fee": 12,
    "subscription_card_basis_points": 12,
    "subscription_card_fixed_fee": 12,
    "subscription_eft_basis_points": 12,
    "subscription_eft_basis_points_fee_limit": 12,
    "subscription_eft_fixed_fee": 12,
    "visa_acquirer_processing_fixed_fee": 80,
    "visa_assessments_basis_points": 40,
    "visa_base_II_credit_voucher_fixed_fee": 50,
    "visa_base_II_system_file_transmission_fixed_fee": 100,
    "visa_basis_points": 10,
    "visa_charge_dues_assessments": 50,
    "visa_charge_interchange": 30,
    "visa_credit_voucher_fixed_fee": 40,
    "visa_fixed_fee": 20,
    "visa_kilobyte_access_fixed_fee": 25
  }'

Record the id of the new Fee Profile from the response:

Fee Profile

{
  "id": "FPryaDMUDq9Tcc5epVpro1Jj",
  "created_at": "2025-11-18T17:28:49.56Z",
  "updated_at": "2025-11-18T17:28:49.56Z",
  "ach_basis_points": 30,
  "ach_basis_points_fee_limit": 50,
  "ach_credit_return_fixed_fee": 25,
  "ach_debit_return_fixed_fee": 30,
  "ach_fixed_fee": 40,
  "ach_notice_of_change_credit_fixed_fee": 12,
  "ach_notice_of_change_debit_fixed_fee": 25,
  "american_express_assessment_basis_points": 20,
  "american_express_basis_points": 10,
  "american_express_charge_dues_assessments": true,
  "american_express_charge_interchange": true,
  "american_express_externally_funded_basis_points": 50,
  "american_express_externally_funded_fixed_fee": 25,
  "american_express_fixed_fee": 15,
  "ancillary_fixed_fee_primary": 32,
  "ancillary_fixed_fee_secondary": 80,
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "basis_points": 20,
  "card_cross_border_basis_points": 15,
  "card_cross_border_fixed_fee": 30,
  "charge_dues_assessments": true,
  "charge_interchange": false,
  "compliance_forms_overdue_fixed_fee": 20,
  "diners_club_basis_points": 90,
  "diners_club_charge_interchange": true,
  "diners_club_fixed_fee": 25,
  "discover_assessments_basis_points": 50,
  "discover_basis_points": 12,
  "discover_charge_dues_assessments": true,
  "discover_charge_interchange": true,
  "discover_data_usage_fixed_fee": 15,
  "discover_externally_funded_basis_points": 60,
  "discover_externally_funded_fixed_fee": 20,
  "discover_fixed_fee": 35,
  "discover_network_authorization_fixed_fee": 30,
  "dispute_fixed_fee": 1500,
  "dispute_inquiry_fixed_fee": 1500,
  "eft_basis_points": 25,
  "eft_basis_points_fee_limit": 20,
  "eft_credit_return_fixed_fee": 35,
  "eft_debit_return_fixed_fee": 30,
  "eft_fixed_fee": 15,
  "externally_funded_basis_points": 15,
  "externally_funded_fixed_fee": 20,
  "fixed_fee": 20,
  "gross_monthly_fees_ach_basis_points": 15,
  "gross_monthly_fees_ach_fixed_fee": 15,
  "gross_monthly_fees_card_basis_points": 15,
  "gross_monthly_fees_card_fixed_fee": 15,
  "gross_monthly_fees_eft_basis_points": 15,
  "gross_monthly_fees_eft_fixed_fee": 15,
  "interac_basis_points": 20,
  "interac_fixed_fee": 25,
  "jcb_basis_points": 11,
  "jcb_charge_interchange": true,
  "jcb_fixed_fee": 20,
  "mastercard_acquirer_fees_basis_points": 20,
  "mastercard_assessments_over1k_basis_points": 20,
  "mastercard_assessments_under1k_basis_points": 25,
  "mastercard_basis_points": 30,
  "mastercard_charge_dues_assessments": true,
  "mastercard_charge_interchange": true,
  "mastercard_fixed_fee": 18,
  "qualified_tiers": null,
  "rounding_mode": "AGGREGATE",
  "settlement_funding_transfer_ach_basis_points": 10,
  "settlement_funding_transfer_ach_basis_points_fee_limit": 15,
  "settlement_funding_transfer_ach_credit_return_fixed_fee": 10,
  "settlement_funding_transfer_ach_debit_return_fixed_fee": 12,
  "settlement_funding_transfer_ach_fixed_fee": 10,
  "settlement_funding_transfer_eft_basis_points": 20,
  "settlement_funding_transfer_eft_basis_points_fee_limit": 40,
  "settlement_funding_transfer_eft_credit_return_fixed_fee": 20,
  "settlement_funding_transfer_eft_debit_return_fixed_fee": 18,
  "settlement_funding_transfer_eft_fixed_fee": 15,
  "settlement_funding_transfer_instant_payout_card_basis_points": 30,
  "settlement_funding_transfer_instant_payout_card_basis_points_fee_limit": 70,
  "settlement_funding_transfer_instant_payout_card_fixed_fee": 45,
  "settlement_funding_transfer_noc_credit_fixed_fee": 50,
  "settlement_funding_transfer_noc_debit_fixed_fee": 55,
  "settlement_funding_transfer_same_day_ach_basis_points": 20,
  "settlement_funding_transfer_same_day_ach_basis_points_fee_limit": 50,
  "settlement_funding_transfer_same_day_ach_fixed_fee": 35,
  "subscription_ach_basis_points": 12,
  "subscription_ach_basis_points_fee_limit": 12,
  "subscription_ach_fixed_fee": 12,
  "subscription_card_basis_points": 12,
  "subscription_card_fixed_fee": 12,
  "subscription_eft_basis_points": 12,
  "subscription_eft_basis_points_fee_limit": 12,
  "subscription_eft_fixed_fee": 12,
  "tags": {},
  "visa_acquirer_processing_fixed_fee": 80,
  "visa_assessments_basis_points": 40,
  "visa_base_II_credit_voucher_fixed_fee": 50,
  "visa_base_II_system_file_transmission_fixed_fee": 100,
  "visa_basis_points": 10,
  "visa_charge_dues_assessments": true,
  "visa_charge_interchange": true,
  "visa_credit_voucher_fixed_fee": 40,
  "visa_fixed_fee": 20,
  "visa_kilobyte_access_fixed_fee": 25,
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPryaDMUDq9Tcc5epVpro1Jj"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    }
  }
}

You can apply this Fee Profile to as many merchants as you want. Changes to the Fee Profile apply to all merchants. You can also create a new Fee Profile for each merchant or reuse one you created earlier.

Step 2: Retrieve the Merchant Profile

To update your merchant's Fee Profile, you need the Merchant Profile of the Merchant.

You can get the Merchant Profile by sending a request to the GET /merchants endpoint with the Merchant ID. The response includes the merchant_profile field.

curl -i -X GET \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  'https://finix.sandbox-payments-api.com/devices/DVoDo7F6yYCnX2d6Fj9hvsd?include_connection=true' \
  -H 'Finix-Version: 2022-02-01'

Record the merchant_profile returned in the response:

Merchant

{
  "id": "MUt6kBb22rxUvWNxUf8XriB2",
  "created_at": "2024-12-27T06:34:21.36Z",
  "updated_at": "2024-12-27T06:35:01.29Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "card_cvv_required": false,
  "card_expiration_date_required": true,
  "card_network_details": null,
  "convenience_charges_enabled": false,
  "country": "USA",
  "creating_transfer_from_report_enabled": false,
  "currencies": [
    "USD"
  ],
  "default_partial_authorization_enabled": false,
  "disbursements_ach_pull_enabled": true,
  "disbursements_ach_push_enabled": true,
  "disbursements_card_pull_enabled": true,
  "disbursements_card_push_enabled": true,
  "disbursements_same_day_ach_pull_enabled": false,
  "disbursements_same_day_ach_push_enabled": false,
  "fee_ready_to_settle_upon": "PROCESSOR_WINDOW",
  "gateway": null,
  "gross_settlement_enabled": false,
  "identity": "IDrtcMe7sjiMmhZrumi45UBp",
  "instant_payouts_card_push_enabled": false,
  "level_two_level_three_data_enabled": false,
  "loan_repayment": null,
  "mcc": null,
  "merchant_name": "Bernie Bingbob",
  "merchant_profile": "MPo2FsjMoEV2xjq81cMWEjJ4", 
  "mid": "FNX8nWDpRv12htpNo1ZMiDYEQ",
  "onboarding_state": "APPROVED",
  "processing_enabled": true,
  "processor": "DUMMY_V1",
  "processor_details": {
    "mid": "FNX8nWDpRv12htpNo1ZMiDYEQ",
    "api_key": "secretValue"
  },
  "ready_to_settle_upon": "PROCESSOR_WINDOW",
  "ready_to_settle_upon_delay_alignment": "NONE",
  "rent_surcharges_enabled": false,
  "settlement_enabled": true,
  "settlement_funding_identifier": "UNSET",
  "settlement_queue_mode": "UNSET",
  "surcharges_enabled": false,
  "tags": {},
  "unreferenced_refund_manual_entry_enabled": false,
  "verification": "VIjDWQq2Skk13ob91ERHDsnh",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUt6kBb22rxUvWNxUf8XriB2"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDrtcMe7sjiMmhZrumi45UBp"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUt6kBb22rxUvWNxUf8XriB2/verifications"
    },
    "merchant_profile": {
      "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MPo2FsjMoEV2xjq81cMWEjJ4"
    },
    "verification": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VIjDWQq2Skk13ob91ERHDsnh"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    }
  }
}

Step 3: Updating the Merchant to use the Fee Profile

After you have the merchant_profile ID and the fee_profile ID from previous requests, send a request to the PUT /merchant_profiles endpoint to update the Merchant Profile with the Fee Profile.

Only the fee_profile field is required in the request.

If you do not supply a card_present_fee_profile, the fee_profile will be applied to both card-not-present and card-present transactions.
If a card_present_fee_profile field is provided, the card_present_fee_profile will be used only for card-present transactions.

Updating a Merchant Profile to use the Fee Profile

curl "https://finix.sandbox-payments-api.com/merchant_profiles/MPrqHHN5y5Up4AGYENnEGvah" \
  -H "Content-Type: application/json" \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  -X PUT \
  -d '{
      "fee_profile": "FPryaDMUDq9Tcc5epVpro1Jj",
      "card_present_fee_profile" : "FPryaDMUDq9Tcc5epVpro1Jj"
  }'

After you update the Merchant Profile, all new transactions will have this Fee Profile applied. Transactions created before the change will use the previous Fee Profile.

Updated Merchant Profile

{
  "id" : "MPrqHHN5y5Up4AGYENnEGvah",
  "created_at" : "2025-03-13T07:00:02.44Z",
  "updated_at" : "2025-11-18T17:29:46.87Z",
  "application" : "APc9vhYcPsRuTSpKD9KpMtPe",
  "card_present_fee_profile" : "FPryaDMUDq9Tcc5epVpro1Jj",  
  "fee_profile" : "FPryaDMUDq9Tcc5epVpro1Jj",  
  "payout_profile" : null,
  "risk_profile" : "RPfZMXNRVi6wqueZwwNN1xuh",
  "tags" : { },
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/merchant_profiles/MPrqHHN5y5Up4AGYENnEGvah"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "risk_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/risk_profiles/RPfZMXNRVi6wqueZwwNN1xuh"
    },
    "fee_profile" : {
      "href" : "https://finix.sandbox-payments-api.com/fee_profiles/FPryaDMUDq9Tcc5epVpro1Jj"
    }
  }
}

Merchant Fee ProfilesCopyCopy for LLMCopy page as Markdown for LLMsView as MarkdownOpen this page as MarkdownOpen in ChatGPTGet insights from ChatGPTOpen in ClaudeGet insights from ClaudeConnect to CursorInstall MCP server on CursorConnect to VS CodeInstall MCP server on VS Code