Commissions

03. 01. 2025

Commissions are the main source of income for the system owner who can determine the cost of each transaction for users and/or include to the commission the costs of third party providers (Vendors).

Creation and management of the vendor`s (provider`s) commissions (commission profiles, rules, conditions, and limits) for external operations are available in the Vendor context:

first select (OR create) the vendor
then create the vendor commission profile (select operation and currency), add rules, conditions, and limits for vendor operations WITHOUT specifying contract ID
then create a contract and select the needed vendor and operation of this vendor in the contract
create system commission profile for needed operation, add rules, conditions, and limits in the contract (total commission to charge from the client within this contract)
assign the contract to the client

When a client performs the operation via a provider (vendor) total commissions will be calculated according to the contract and provider (vendor) commissions will be calculated according to the vendor settings.

So, with that approach:

Vendor`s commission (for a particular operation of the particular vendor) are the same in all Contracts
system commissions are different in each Сontract

Change of the provider’s (vendor’s) commissions must be performed at the Vendor level. After the change, the new provider’s commission will be used in all contracts where the operation of this vendor was previously set-up.

Commission types

There are different types of commission calculation in the system:

Zero:
- if Zero commission type is selected, the transaction will be processed without fees
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission = 0 (“Zero” type was selected)
  - Calculation:
    - Consumer-payer will be charged with total transaction amount(including zero fee):
      - 100 USD
Percent:
- Percent commission means that commission amount is calculated as a percent from transaction amount(so, it depends on transaction amount)
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission type is Percent, and it has a value = 3 %
  - Calculation:
    - Consumer-payer will be charged with total transaction amount(including fee):
    - 100USD + 100USD*3% = 103 USD
Fixed:
- Fixed commission means that the commission amount has some static value and it doesn’t depend on the transaction amount
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission type is Fixed, and it has a value = 2 USD
  - Calculation:
    - Consumer-payer will be charged with total transaction amount(including fee):
      - 100USD + 2USD = 102 USD
Grater of fixed and percent:
- means that commission template has two values, fixed and percent. While calculating the commission amount, system compares these two values and applies greater value to the transaction
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission type is Grater of fixed and percent and has the following values set:
      - 5 USD for the fixed part
      - 3 % for the percent part
  - Calculation:
    - System compares 5 USD with 3%(that equal to 3 USD for transaction amount = 100 USD) and identifies that fixed part is greater(than percent part), so only fixed part will be applied to the transaction
    - Consumer payer will be charged with total transaction amount:
      - 100 USD + 5 USD = 105 USD
Least of fixed and percent:
- means that the commission template has two values, fixed and percent. While calculating the commission amount, system compares these two values and applies least value to the transaction
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission type is Least of fixed and percent and has the following values set:
      - 5 USD for the fixed part
      - 3 % for the percent part
  - Calculations:
    - System compares 5 USD with 3%(that equal to 3 USD for transaction amount = 100 USD) and identifies that percent part is less than fixed part, so only percent part will be applied to the transaction
    - Consumer-payer will be charged with total transaction amount:
      - 100USD + 100USD*3% = 103 USD
Fixed plus percent:
- means that commission template has two values, fixed and percent and the sum of this two values will be applied to the transaction
- Example:
  - Preconditions:
    - transaction amount = 100 USD
    - Commission type is Fixed plus percent and has the following values set:
      - 5 USD for the fixed part
      - 2% for the percent part
  - Calculations:
    - Fee amount = 5 USD + 100USD*2% = 7 USD
    - Consumer-payer will be charged with total transaction amount:
      - 100USD + 5USD + 100USD*2% = 107 USD

Commission direction

There are three possible types of commission directions:

IN – means, that full commission amount will be charged from the recipient:
- Example:
  - Preconditions:
    - Sender transfers to the recipient an amount of 100 USD
    - Calculated commission amount is 3 USD
    - Commission direction is set to “IN”
  - Calculations:
    - Sender will be charged with 100 USD (transfer amount)
    - Recipient will receive the transfer amount except Calculated Commission amount:
      - 100USD – 3USD = 97 USD
OUT – means that full commission amount will be charged from the payer(sender):
- Example:
  - Preconditions:
    - Sender transfers to the recipient an amount of 100 USD
    - Calculated commission amount is 3 USD
    - Commission direction is set to “OUT”
  - Calculations:
    - Sender will be charged with transfer amount plus Calculated Commission amount:
      - 100 USD + 3 USD = 103 USD
    - Recipient will receive the transfer amount = 100 USD
SHARED (only for transfers) – means that commission will be paid equally (50/50) by sender and recipient:
- Example:
  - Preconditions:
    - Sender transfers to the recipient an amount of 100 USD
    - Calculated commission amount is 3 USD
    - Commission direction is set to “Shared”
  - Calculations:
    - Sender will be charged with transfer amount plus 50% from Calculated Commission amount:
      - 100USD + 50%*3USD = 101.5 USD
    - Recipient will receive the transfer amount except 50% from Calculated Commission amount:
      - 100USD – 50%*3USD = 98.5 USD

Commission profiles

The contract contains a base commission profile which is divided into internal (system) commission profiles and gate (vendor) commission profiles.

Commission value at the moment of the transaction can be seen at any time even if the commission was changed.
Internal (system) commission profile defines allowed operations between wallets inside SDK, and commissions and limits for these operations.

Gate (vendor) commission profile defines allowed TOPUP/WITHDRAWAL/PURCHASE/ISSUE_CARD operations, and provider commission and limits for these operations.

Gate commission contains the following commissions:

Total commission – this commission will be deducted from the customer
Provider commission – 3rd party commission which is paid by the system to the 3rd party provider/gateway

APIs: Contract Management – commission profiles

APIs: Contract Management – commission rules conditions

APIs: Contract Management – commission rules

Check the Back Office manual for commission management functionality.