Fee Rates

Transaction fees are applied based on your WiPay account's country, plan, and the configured fee_structure.

How Fee Structure Works

The fee_structure parameter in your payment request determines how fees are applied:

Fee Structure	Effect
`customer_pay`	The full transaction fee is added to the original `total`. The customer pays the fee.
`split`	Half of the transaction fee is added to the original `total`. The fee is shared between merchant and customer.
`merchant_absorb`	No fee is added. The original `total` and final total are the same. The fee is deducted from the merchant's settlement.

Plan	Method	Rate
BASIC FREE	Credit/Debit Card	3.80% + Tax
Any paid plan	Credit/Debit Card	3.80% + Tax

Plan	Method	Rate
BASIC FREE	Credit/Debit Card	4.20% + Tax
Any paid plan	Credit/Debit Card	3.80% + Tax

Plan	Method	Rate
BASIC FREE	Credit/Debit Card	4.20% + Tax
Any paid plan	Credit/Debit Card	3.80% + Tax

Plan	Method	Rate
BASIC FREE	Credit/Debit Card	4.20% + GCT
Any paid plan	Credit/Debit Card	3.80% + GCT

Plan	Method	Rate
BASIC FREE	Credit/Debit Card	3.50% + $0.25 USD
Any paid plan	Credit/Debit Card	3.00% + $0.25 USD

Paid Plans are monthly (30-day) subscriptions on the WiPay platform. These include:
- Business: Business Plus, Business Premium
- Personal: Personal Premium
Dollar-value fees are relative to the transaction currency and are always converted to the currency-equivalent value.
GCT applies to Jamaica only. Tax applies to Barbados, Grenada, and Guyana. In each case, the tax value is calculated as 15% of the percentage transaction fee.

For a TT transaction of $100.00 USD on the BASIC FREE plan (rate of 3.50% + $0.25 USD) with customer_pay: