There are multiple ways in which fees can be applied on the Platform:

Directly to Entities: Applied to individual Merchants or {{variable.Partner}}s
Using Groups: Applied to a group of Merchant or {{variable.Partner}} entities.
Per Transaction: Applied to Entities or Groups as each transaction is processed.
- A layer of fees triggered per transaction when an applicable fee type is submitted is known as a fee listener.
- An example setup would be to make an auth fee and select Transaction Fee in the portal, which allows this specific auth fee to be treated as a fee listener. Then, set it to 100 and make the um (unit measurement) a percentage.

Now that you’re familiar with the Fee Structure and available setup options, we’ll get started by setting up the Fee type of your choice using your preferred method. If you are familiar with basic fee structure information, jump ahead to the Setting up a Fee section below.

Getting Started

Before you begin, it’s important to understand the makeup of a Fee configuration and the various components used to create the Fee setup exactly to your specifications.

Each section below covers the major components of setting up a fee with all available customizations and refinements. Each of these major steps offers instructions for your preferred fee use case:

Set up a Fee: Learn the process of how and where to set up a Fee.
Set Up a Fee by Type: Learn the specific parameters required to set specific types of Fees.
Add Fee Rules: Learn the process of adding Fee rules to further refine Fee Schedule (Trigger) criteria.

Prerequisites

To ensure your experience is streamlined, make sure you’re familiar with the following information:

Fee Types: The different categories of fees that can be created and charged.
Fee Structure: Overview of the basic layout for a Fee configuration.
- Fee Schedules: Available time or event-based triggers used to initiate a Fee charge.
- Fee Rules: Options to further refine the criteria of the Fee Schedule.
- Fee Modifiers: Options to redirect the Fee collection flow and who will pay the Fee.
- Fee Collection Process: Overview of how Fee payments are collected and where they can be found.

Important!
To avoid potential compliance issues and legal complications:
Refer to the each card brand network’s guidelines to maintain compliance while creating specific fee types.
See Understanding Surcharges before creating or applying surcharges.
Only charge convenience fees to customers using alternative payment methods, like integrated payment pages instead of in-person terminal payments or phone orders.

Set Up a Fee

This quick overview will demonstrate the steps necessary to begin setting up the Fee configuration of your choice. For simplicity, this will serve as the foundation to set up all Fee Types. Each Fee Type will be covered in its own section with additional context added where necessary.

Fees can be set up for Merchants or Groups. See the following content for general steps to configure each basic fee application:

Set Up Group Fees

Set Up Merchant Fees

Use the following steps to start setting up a Fee for an individual Merchant entity:

Access the Merchants page, from the left navigation panel.
Click the relevant Merchant to enter their Merchant Profile page.
Click Fees from the Merchant Profile left menu.
Click Add Fees.
Jump to the Fee Type section of this guide for the required parameters for the fee of your choice.

Result: You can now customize your basic Merchant fee to meet your use cases.

Use the following steps to start setting up a Fee for a Group:

Access the Groups page (located under Management).
Select the relevant Group to access the Group Profile page.
In the Group Profile, select Fees from the left menu.
Click Add Fees.
Jump to the Fee Type section of this guide for the required parameters for the fee of your choice.

Result: You can now customize your basic Group fee to meet your use cases.

Note
Fees can also apply on a per-transaction basis. See the Transaction Fees section for steps on configuring a fee applicable to transactions or their amounts.

Set Up a Fee by Type

In the Fee Type Setup steps below, we’ll simply include the required parameter settings necessary to enable that particular Fee Type. Additional context and information will be provided within each section.

Choose the Fee Type you’d like to set:

Boarding Fees: Fees collected from your Merchants as they board the platform.
Chargeback/Dispute Fees: Fees collected for managing Merchants’ dispute responses.
Convenience Fees: Fees collected from Cardholders for alternative payment method acceptance.
Interchange and Processing Fees: Fees collected to reimburse Interchange and other costs assessed by the processor and/or card brands.
Platform Service Fees: Fees collected for custom Platform Service enablement
Risk Decision Fees: Fees collected for triggering automated Risk Decisions on an entity.
Risk Service Fees: Fees collected for performing a Risk Policy check on an entity at a cost.
Surcharge Fees: Fees collected from cardholders by Merchants as an additional charge, usually to cover specific costs associated with the transaction, such as platform transaction fees.
Transaction Fees: Fees collected when transactions are authorized and/or captured.
Value-Added Service Fees: Fees collected for Worldpay Value-Added Services like Omnitoken and FraudSight.

If you’re already familiar with the essential Fee Type setups, jump ahead to Fee Rules to learn how to further refine the Schedule (Triggers) of your Fees.

Boarding Fees

This customization allows our partners to seamlessly implement a portfolio-wide or individual new account creation fee to collect from their clients.

Example: As a {{variable.Partner}}, you would like to charge a Fee to your Merchants for boarding and whenever they board Sub-Merchants. This Fee allows the {{variable.Partner}} to generate revenue from Merchants boarding under their portfolio, even if the Merchant ultimately has little or no activity after boarding.

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Board	The Fee triggers when the Merchant is boarded.
How much is the fee?	Actual	N/A
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.

Chargeback Fees

Chargeback Fees (also known as Dispute Fees) are fees set and charged to Merchants by {{variable.Partner}}s for offering the platform to process the Chargeback.

Example: A Merchant has received an initial dispute opening the chargeback process, also known as Retrieval. When a Chargeback Fee is configured and “Retrieval” is chosen as the Fee Schedule (Trigger) ("schedule": 19) , the Merchant will now be assessed a fee when the Chargeback Cycle is opened and Dispute Stage is “Retrieval”

Begin by following the steps in the Set up a Fee section and use the parameters below to complete the process:

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Chargeback	This fee triggers when a first chargeback dispute stage is reached against a Merchant. You can also use the following options for different Chargeback cycles: Retrieval: The Fee triggers when a Retrieval dispute stage is reached against a Merchant. Arbitration: The Fee triggers when an Arbitration dispute stage is reached against a Merchant.
How much is the fee?	Actual	N/A
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.

This Fee is now configured to trigger to charge a Merchant whenever a Chargeback is created (First Chargeback Dispute Stage).

Convenience Fees

Convenience fees are fees set and charged by Merchants to Cardholders for the “alternative” payment method acceptance. “Alternative” refers to the non-primary payment methods provided by Merchants to Cardholders. This {{glossary.convenience fee}} amount is then charged to the Merchant by the {{variable.Partner}}, based on the {{variable.Partner}}’s Fee Modifier settings.

Example: A Merchant that typically accepts in-person payments and over-the-phone/mail order. The Cardholder requests to make a payment using the Merchant’s website to send a card-not-present payment. As the website is not the primary method accepted by the Merchant, they can charge a convenience fee to the Cardholder.

Begin by following the steps in the Set up a Fee section and use the parameters below to complete the process:

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Capture	N/A
How much is the fee?	Actual	Percentage or Surcharge may not be used in any form of Transaction Fee configuration.
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.
Transaction Fee	Enabled	The Transaction Fee checkbox is available in the Advanced Options section of the Add Fee dialog. The Transaction Fee acts as the fee listener in this use case.

Important!
Convenience Fees can cause legal complications if configured incorrectly or not meeting the general card brand network requirements:
Convenience Fees must be disclosed to customer before completion of a transaction.
You must allow cardholders to cancel the transaction upon reading this disclosure.
Convenience Fees are only allowed for credit and signature debit card types.
Convenience Fees are only allowed for card-not-present transaction types.
Convenience fees cannot be applied to recurring, subscription or installment transactions.

Tip
Use a Fee Rule to only charge Convenience Fees over a specific amount.

Interchange and Processing Fees

If you want to pass along these to your merchants you can set up an {{glossary.interchange fee}} schedule at 100% so that they are responsible for covering the fees.

Example: A {{variable.Partner}} would like to pass along the {{glossary.cost of acceptance}} for debit and credit card interchange to your Merchant.

Interchange fees require a more involved setup due to the various types of interchange events that occur. To get started, create a percentage-based fee triggered by Interchange events. Use the following table to set up your fee configuration:

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Interchange	The Fee triggers based on the interchange type of this Merchant.
How much is the fee?	Percentage	N/A
Amount	100.00	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.

Notes
Use a Fee Rule to define the Interchange type or specific processor.
Use conditional rules to apply PIN debit network interchange and annual participation fees to Merchants enabled for PIN Debit on triPOS.

PIN Debit Network Interchange Fees: Conditional Rules

After creating your initial interchange fee, you must apply Conditional Rule settings to assess PIN debit network interchange fees.

To apply this Conditional Rule, click Advanced Options. Use the following table to set up your conditional rule:

Conditional Rule

Required Value

Note

Payment Card Type is:

Debit

This helps the fee engine differentiate between credit interchange and debit interchange costs.

Payment Card Brand is:

{Debit - [Network]}

Valid Values:

Debit - ACCEL
Debit - ATH
Debit - ARMED FORCES FINANCIAL NETWORK (AFFN)
Debit - CULIANCE (CU24)
Debit - INTERLINK and PAVD
Debit - JEANIE
Debit - MAESTRO
Debit - NYCE
Debit - PULSE
Debit - SHAZAM
Debit - STAR

PIN Debit Network Annual Participation Fees

In addition to PIN debit network interchange for individual transactions, Accel, CULIANCE, NYCE, PULSE, and STAR debit networks assess an annual fee for participation on their networks.

To get started, setup your debit network annual participation fees as a percentage-based fee to charge 100% of cost. use the following table to set up your fee configuration:

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Debit Card Network(s)	The Fee triggers based on the annual participation fee of the debit network. Valid Values: ACCEL Annual Fee CULIANCE CU24 Annual Fee NYCE Annual Fee PULSE Annual Fee STAR Annual Fee
How much is the fee?	Percentage	N/A
Amount	100.00	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.

Important!
If your platform processes payments from multiple debit networks that charge annual participation fees, you must create separate fees for each specific debit network.

Platform Service Fees

This customization allows our partners to seamlessly implement a portfolio-wide or individual new account creation fee to collect from their clients. creating a custom platform service fee in Payrix Pro is an ideal way to automatically bill your clients for your services based on your user agreement with them.

Example: The payment acceptance platform you offer as a {{variable.Partner}} comes at a cost to the Merchant, usually in the form of monthly service plan costs or subscription costs. As the Merchant has agreed to your platform’s terms and conditions, it accepts the costs setup as a Monthly Fee Schedule eliminating the need for a third-party billing solution.

To configure your custom platform service fee, create a fee for the actual amount you want to charge your Merchants. Use the following table to set up your fee configuration:

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Months	The Fee triggers every X number of months. You can also use the following Fee Schedules: Days: The Fee is charged every day. Weeks: The Fee is charged every week. Years: The Fee is charged every year. Single: The Fee is a one-time charge.
Every how many monthly?	1	This sets the interval to as recurring once per month. This can also be changed to be bi-monthly (2), quarterly (3), or semi-annually (6) as examples.
How much is the fee?	Actual	N/A
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.
Fee Name	{yourBusinessName} Platform Service Fee	Optional. This will help more easily identify your Fee when viewing the Portal.

Risk Decision Fees

Risk Decision Fees allow you to charge fees to a Merchant when core platform risk services are used to evaluate when a risk decision is made for a boarding Merchant or when a processed Transaction has risk checks performed to ensure compliance.

Example: A {{variable.Partner}} would like to charge a Merchant when the platform risk service performs an automated transaction check. This happens when specific risk criteria are met and delay the disbursement of transaction funds in addition to fraud and risk compliance concerns. As a result, the {{variable.Partner}} will charge a fee when these events occur to actively discourage the Merchant from high-risk transaction actions and behaviors.

Add Fee Parameter	Required Value	Notes and Valid Values
When to trigger the fee?	Internal Decision V2	Payrix Pro automated Risk decision services.
How much is the fee?	Actual	N/A
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.
Fee Name	{yourBusinessName} Risk Decision Service Fee	Optional. This will help more easily identify your Fee when viewing the Portal.

Tip
Use Fee Rules to refine the specific risk decision status or additional misuse criteria.

Risk Service Fees

Risk Service Fees allow you to charge additional fees for the use of integrated third-party risk service. This flexibility enables {{variable.Partner}}s to assess fees to Merchants that are higher risk requiring manual validations of the entity and its transactions on a regular basis in addition to fees assessed from the given risk service(s).

Example: A {{variable.Partner}} would like to assess fees to their Merchants to cover the costs of external risk services they use to ensure their Merchants' compliance. These services could include OFAC checks, personal credit pulls, or other necessary risk items needed for boarding or ongoing risk reviews.

Add Fee Parameter	Required Value	Notes and Valid Values
When to trigger the fee?	Internal Decision V2	Payrix Pro automated Risk decision services. You can also use the following options for different supported Risk Services: GIACT eCheck Verification: Real-time account status check for consumer and business bank accounts from gVerify by GIACT. Important: Partner Success Manager (PSM) enablement and contract required. GIACT Account Verification: Real-time Business Entity Owner identity and authorized signer status verification from gAuthenticate by GIACT. Important: PSM enablement and contract required.
How much is the fee?	Percentage	Important: For GIACT eCheck Verification and GIACT Account Verification, the amount must be set to Actual.
Amount	100%	Note: You can create a markup on this fee by going above 100% such as 103.5%.
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.

Surcharge Fees

Surcharging allows {{variable.Partner}}s to charge a per-transaction fee each time a credit card is used by cardholder that is charged to the Merchant but can be passed to the cardholder directly.

Example: The payment acceptance platform you offer as a {{variable.Partner}} assesses a 3% surcharge to Merchants for processing credit-only transactions to offset associated processing fees. As a result, you enable each of your Merchants to collect this surcharge from their customers using credit cards.

Important!
There are individual registration requirements and regulations by card brand before you can enable surcharges. The following steps will demonstrate how to enable the Surcharge once all prerequisites are met. Visit Understanding Surcharges for more details on the enablement requirements.
Surcharging is still illegal in a few US states/territories: Connecticut, Massachusetts, and Puerto Rico. Be sure to follow your local and regional regulations accordingly.

Add Fee Parameter	Required Value	Note
When to trigger the fee?	Capture	The Fee is triggered at the time of credit card capture for a transaction.
How much is the fee?	Surcharge	N/A
Amount	3%	Important: When setting up a surcharge, do not exceed 3% to adhere with all credit card brand regulations.
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.
Transaction Fee	Enabled	Checkbox available under the Advanced Options section of the dialog.
Conditional Rule	Payment Card Type is	Credit Important: This is required when setting up a surcharge as credit cards are the only payment method that allow surcharging.

Transaction Fees

Transaction Fees allow you to charge your Merchants on a per-transaction basis to generate revenue. This is commonly referred as flat-rate pricing, which combines a percentage of the transaction amount, or discount rate, with a fixed per-item fee. A per-item fee is a flat fee added to each transaction, regardless of the number of products or services included. Flat-rate pricing is widely used in the payments industry and mirrors how interchange fees are typically structured in the U.S.

Example: Your payments service uses flat-rate pricing to combine the discount rate with a fixed per-item fee, commonly stylized as 3% + $0.10 per transaction.

To configure your flat-rate pricing model using transaction fees on the Payrix Pro platform, you must create two fee layers:

A percentage-based fee to apply your discount rate.
A fixed per-item fee for each authorization or capture transaction.

The percentage fee ensures the discount rate is assessed to the Merchant, while the fixed per-item fee covers interchange-related costs for authorizing and capturing funds during batching and {{glossary.settlement}}. This process is required in two steps to ensure that both layers of your flat-rate pricing model fee, the discount rate and per-item amount, are assessed simultaneously.

Important!
Ensure your transaction fees are set to charge the per-item fee at either authorization or capture, based on the rates outlined in your contract.
Auth: Applies the per-item fee to all transaction attempts, including declines.
Capture: Applies the per-item fee only to successful transactions.
Refer to your platforms contract, card brand policies, and {{glossary.payment processor}} policies on transaction fees to ensure compliance.

To create a flat-rate Pricing model using Transaction Fees:

Create a percentage-based transaction fee to assess your discount rate. Use the following table to set up your fee configuration:

Add Fee Parameter	Required Value	Notes and Valid Values
When to trigger the fee?	Capture	The Fee triggers at the capture time of a Transaction.
How much is the fee?	Percentage	N/A
Amount	{yourFeeAmount}	The fee percentage amount. For example, 3.00%.
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately. Note: If you increase your flat-rate pricing for a Group, set the Fee End Date on the existing flat-rate fee, then create a new fee with the updated rate and set its Fee Start Date accordingly. Apply the new fee to the same Group to ensure a smooth transition.
Transaction Fee	Enabled	Checkbox available under the Advanced Options section of the dialog.

Create another flat-rate transaction authorization fee to assess your per-item fee. Use the following table to set up your fee configuration:

Add Fee Parameter	Required Value	Notes and Valid Values
When to trigger the fee?	Auth	The Fee is triggered at the time of authorization of a transaction. Note: You can also use the Capture fee trigger to only apply your per-item fee to Captured transactions after initial approval.
How much is the fee?	Actual	N/A
Amount	{yourFeeAmount}	The fee amount in dollars and cents. For example, $0.10.
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately. Note: If you increase your flat-rate pricing for a Group, set the Fee End Date on the existing flat-rate fee, then create a new fee with the updated rate and set its Fee Start Date accordingly. Apply the new fee to the same Group to ensure a smooth transition.
Fee End Date	{yourEndDate}	Optional. See Fee Start Date.

Result: Your transaction fee is now active and all transactions processed through your platform charge your flat-rate pricing, such as 3% + $0.10 per transaction.

Tip
Use Fee Rules to define the specific method of payment acceptance that can trigger your transaction fee.

Value-Added Service Fees

Value-Added Service Fees are fees assessed to Partners for using services like Account Updater and Omnitoken. If you’d like to pass these costs along to the Merchant who incurred them, you can use this fee type configuration. You can also apply a markup to this fee to charge additional costs for enabling these services through your platform.

Example: A {{variable.Partner}} has enabled the Account Updater service for their Merchants. Each time a Merchant’s customer has their tokenized information automatically updated, the {{variable.Partner}} can charge a fee. This fee can reflect the exact cost outlined in their Account Updater service agreement or include a markup to cover platform overhead or generate revenue.

Add Fee Parameter	Required Value	Note
When to trigger the fee?	{valueAddedService}	Any of the following values are supported as Value-Added Service Fees: Account Updater Update: Automated payment method update service for Payrix tokens and Omnitoken for individual customers. Account Updater Group Update: Automated payment method update service for Payrix tokens and Omnitoken within a Group of multiple Merchants’ customers. FraudSight CNP Decision: Smart fraud screening service from Worldpay for card-not-present transactions to reduce chargebacks and false declines. FraudSight CP Decision: Smart fraud screening from Worldpay for card-present transactions to enhance in-person payment security. Omnitoken: Omnichannel payment tokenization from Worldpay.
How much is the fee?	Actual	Percentage or Surcharge cannot be used in any form of Transaction Fee configuration.
Amount	{yourFeeAmount}	N/A
Fee Start Date	{yourStartDate}	We recommend using today’s date as the Fee Start Date to make the Fee effective immediately.
Transaction Fee	Enabled	Checkbox available under the Advanced Options section of the dialog.

Add Fee Modifiers

To change the entity that will be paying the cost for the Fee charge, you’ll need to setup a Fee Modifier.

Add Modifiers to New Fees

Add Modifiers to Existing Fees

After you’ve configured your new Fee, use the following steps to add additional Fee Modifiers:

Click Advanced Options in the Add Fee dialog after your initial Fee setup.
Check the “Deduct this Fee from Another Entity” checkbox, then under the DEDUCT FEE FROM drop-down, select the entity that the fee charge will be paid by.

Result: Finish configuring the rest of your Advanced Options for your fee and click the ADD button when finished to save the new Fee Modifier within the new Fee.

Use the following steps to add Fee Modifiers to your existing Fee:

Navigate to the Merchants or Groups page, located under Management.
Click the Merchant or Group you want to charge the Fee to enter its Merchant Profile or Group Profile page.
In the Merchant Profile or Group Profile, click Fees from the left-hand menu. Then, click the Fee setup you’d like to add the Fee Rule to from the Active Fees Section to enter the Fee Details page.
On the Fees Details page, click the dropdown under the Fee Modifiers section and click the Add Fee Modifier button in the upper-right of the section.
Set the the unit of measurement, amount, group (if applicable) and the ID for the “From Entity” (the entity that will be paying the fee) in the new field that has appeared.

Result: Click the ADD button when finished to save the new Fee Modifier to the existing fee.

After you’ve configured you’re initial Fee Type, to add additional Fee Rules, follow the steps below:

Add Fee Rules

To configure and refine the criteria of the Fee Schedule or “When to trigger the fee?” selection of a fee you’ve just created, follow the steps below. This process will not work if you have not set up a new Fee or are selecting an existing Fee configuration. See Setting up a Fee above for steps to set up a Fee if you’re not using an existing Fee setup.

See the following steps to add a Fee Rule:

Add Rules to New Fees

Add Rules to Existing Fees

After you’ve configured your new Fee, use the following steps to add additional Fee Rules:

Click Advanced Options in the Add Fee dialog after your initial Fee setup.
Click Conditional Rules and select a Fee Rule option. See Fee Rules for a list of available options with descriptions.
Set the amount or value in the new field that has appeared.
(Optional) After setting up your first Fee Rule, you can click the + button next to your first rule to add another.
Click the ADD button when finished to save the new Fee Rule(s).

Result: The Fee Rule has been created and applied to your new fee.

Use the following steps to add Fee Rules to your existing Fee:

Navigate to the Merchants or Groups page, located under Management.
Click the Merchant or Group you want to charge the Fee to enter its Merchant Profile or Group Profile page.
In the Merchant Profile or Group Profile, click Fees from the left-hand menu. Then, click the Fee setup you’d like to add the Fee Rule to from the Active Fees Section to enter the Fee Details page.
On the Fees Details page, click the dropdown under the Fee Rules section and select a Fee Rule option. See Fee Rules for a list of available options with descriptions.
Set the amount or value in the new field that has appeared.
(Optional) After setting up your first Fee Rule, you can click the + button next to your first rule to add another.
Click the Checkmark button in the upper right to save the new Fee Rule(s).

Result: The Fee Rule has been created and applied to your existing fee configuration.

Additional Resources

For additional Fee-related resources, see the associated articles: