Transaction Fees

Calculate the fee breakdown for a given transaction amount, currency, and fee structure. Returns detailed customer and merchant totals.

Use this endpoint to preview the exact fees before initiating a transaction.

Endpoint

GET /transactions/fees

Access	Requirement
Authenticated	Yes
Required Scope	`wapi-transactions-get-fees`, or `wapi-transactions-all`
Rate Limit	60 requests per minute

Request

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer <access_token>`
`X-WAPI-Key`	`wapi_live_<kid>_<secret>` or `wapi_test_<kid>_<secret>`

Send exactly one of Authorization or X-WAPI-Key.

Query Parameters

Parameter	Type	Required	Description
`fee_structure`	string	Yes	One of `"customer_pay"`, `"merchant_absorb"`, or `"split"`
`currency`	string	Yes	Currency code: `"TTD"` or `"USD"`
`amount`	numeric	Yes	Transaction amount (e.g., `100.00`)

Use the Transaction Meta endpoint to discover the supported currencies, fee structures, and amount limits for your account.

Responses

200 OK

{
  "message": "OK",
  "data": {
    "cus_calc_desc_1": "Fee = (3.50% of $100.00) + $1.70",
    "cus_calc_desc_2": "= $3.50 + $1.70",
    "cus_calc_desc_3": "= $5.20 TTD",
    "cus_calc_desc_4": "Customer Total = $100.00 + $5.20",
    "cus_calc_desc_5": "= $105.20 TTD",
    "cus_d_fee": 1.7,
    "cus_desc_local": "3.50% + $1.70 TTD",
    "cus_desc": "3.50% + $0.25 USD",
    "cus_p_fee": 3.5,
    "cus_pd_fee": 3.5,
    "cus_t_desc": "$105.20 TTD",
    "cus_t_fee": 5.2,
    "cus_t": 105.2,
    "fee_name": "Customer Pay",
    "mer_calc_desc_1": "Fee = (0.00% of $100.00) + $0.00",
    "mer_calc_desc_2": "= $0.00 + $0.00",
    "mer_calc_desc_3": "= $0.00 TTD",
    "mer_calc_desc_4": "Merchant Receives = $100.00 - $0.00",
    "mer_calc_desc_5": "= $100.00 TTD",
    "mer_d_fee": 0,
    "mer_desc_local": "No Fee!",
    "mer_desc": "No Fee!",
    "mer_p_fee": 0,
    "mer_pd_fee": 0,
    "mer_t_desc": "$100.00 TTD",
    "mer_t_fee": 0,
    "mer_t": 100,
    "org_t_desc": "$100.00 TTD",
    "org_t": 100,
    "type": "TTD"
  }
}

Fee Breakdown Fields

Customer Fees

Field	Type	Description
`cus_calc_desc_1` – `cus_calc_desc_5`	string	Step-by-step fee calculation for the customer
`cus_d_fee`	number	Customer flat (dollar) fee component
`cus_p_fee`	number	Customer percentage fee rate
`cus_pd_fee`	number	Customer percentage fee amount (calculated)
`cus_t_fee`	number	Total fee charged to the customer
`cus_t`	number	Customer total (amount + customer fee)
`cus_t_desc`	string	Formatted customer total with currency
`cus_desc_local`	string	Fee description in local currency
`cus_desc`	string	Fee description in USD

Merchant Fees

Field	Type	Description
`mer_calc_desc_1` – `mer_calc_desc_5`	string	Step-by-step fee calculation for the merchant
`mer_d_fee`	number	Merchant flat (dollar) fee component
`mer_p_fee`	number	Merchant percentage fee rate
`mer_pd_fee`	number	Merchant percentage fee amount (calculated)
`mer_t_fee`	number	Total fee charged to the merchant
`mer_t`	number	Amount the merchant receives
`mer_t_desc`	string	Formatted merchant total with currency
`mer_desc_local`	string	Fee description in local currency
`mer_desc`	string	Fee description in USD

General

Field	Type	Description
`fee_name`	string	Display name of the fee structure (e.g., `"Customer Pay"`)
`org_t`	number	Original transaction amount
`org_t_desc`	string	Formatted original amount with currency
`type`	string	Currency code used for the calculation

400 Bad Request

Returned when a required query parameter is missing or invalid.

{
  "message": "The fee structure field is required. (and 2 more errors)"
}

401 Unauthorized

{
  "message": "Unauthorized"
}

403 Forbidden

{
  "message": "Invalid scope(s) provided."
}

Example

curl -X GET "https://ttsb.wipayfinancial.com/wapi/transactions/fees?fee_structure=customer_pay&currency=TTD&amount=100.00" \
  -H "Accept: application/json" \
  -H "Authorization: Bearer <access_token>"

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