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For example, ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instruments"]}," tied to buyer will be the cards used for purchases while ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instruments"]}," tied to a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Merchant"]}," are the bank accounts where they receive settlements."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Therefore when billing events occur that are tied to a buyer's ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instrument"]}," (e.g. enrolling in account updater, using Plaid for tokenization, etc) Finix cannot automatically map those fees to a specific ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Merchant"]},". By default, these costs are instead charged to your ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Application"]}," (e.g. the Platform, Marketplace, Vertical Saas owner's account) and will be deducted from your residual. If you wish to monetize these offerings or pass the fees on to your ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Merchant"]}," you must explicitly link the buyers ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instrument"]}," to a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Merchant"]}," resource using the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instrument Association"]}," ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"/api/payment-instrument-associations"},"children":["resource"]},"."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["To accomplish this example, we will need to:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Make sure the Merchant ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Fee Profile"]}," is configured with a fee (i.e. has a value >0) for these relevant instrument fees"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Create a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instrument Association"]}," resource after the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["Payment Instrument"]}," is tokenized."]}]}]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"curl -i -X POST \\\n  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \\\n  https://finix.sandbox-payments-api.com/payment_instrument_associations \\\n  -H 'Content-Type: application/json' \\\n  -H 'Finix-Version: 2022-02-01' \\\n  -d '{\n      \"merchant_id\": \"MUcgYZswyRfqSSbvMsxuaHxZ\",\n      \"payment_instrument_id\": \"PInQ4yKVvyJxB6dJtQkXLMWt\"\n  }'\n"},"children":[]}]},"headings":[{"value":"Instrument Specific Fees","id":"instrument-specific-fees","depth":1}],"frontmatter":{"seo":{"title":"Instrument Specific Fees"}},"lastModified":"2026-02-24T20:30:16.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/guides/platform-payments/monetizing-payments/instrument-specific-fees","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}