# Merchant Fee Profiles

Finix lets you monetize payments with our easy-to-use Fee Profiles. We offer tools for customization, efficiency, and revenue growth. Finix provides over 60 fee options.

Finix offers the following pricing strategies:

| **Pricing Strategy** | **Description** |
|  --- | --- |
| Interchange Plus | Your sellers pay the interchange rate set by the issuing banks plus a markup you can charge on top. |
| Interchange Plus and Dues & Assessments | Your sellers pay the interchange rate and a separate pass-through of card network fees, called dues and assessments. Finix provides many of these dues and assessments at the transaction level. |
| Blended Pricing | Transactions are charged a single flat rate, such as 2.90% plus 30 cents. Additional features let you charge different rates for card brands like Visa, MasterCard, Discover, and American Express, as well as for different payment methods. |

## Creating Fee Profiles using the Finix Dashboard

*To create a Fee Profile using the Finix Dashboard*:

1. From the left navigation, expand **Merchants** and click **Merchant Accounts**.

Merchant Accounts list in Finix Dashboard for selecting a merchant to apply a fee profile

1. Click a merchant to open their merchant details page.
2. Click the **Account Settings** > **Fee Profile** tab and click **Create Custom Fee Profile**.
   - If the merchant is not assigned a Fee Profile, a default Fee Profile is created for the merchant that inherits the application's Fee Profile.

- The next screens let you edit the fees for the Fee Profile.

1. Apply card-not-present fees to the merchant.
   - This lets you set processing fees for online card payments.
   - By default, a **Blended** pricing strategy is selected, letting you set a percentage rate and fixed fee that covers the markup, interchange, and other card fees the application plans to charge. You can also select **Interchange Plus** or **Interchange Plus and Dues & Assessments** pricing strategies.
   - You can also select **Card Brand Overrides**, which allow you to select a percentage rate and fixed fee based on the card brand.

1. Click **Save and Continue**.
2. Apply card-present fees to the merchant.
   - This lets you set processing fees for in-person card payments.
   - By default, the same fees as online payments are applied.
   - To use different fees for in-person payments, untick the **Apply Card-Not-Present Fee Profile** checkbox.
   - When using a different set of fees, the pricing strategy is set to **Blended**, as with the default for card-not-present fees.

1. Click **Save and Continue**.
2. Next, set processing fees for ACH payments. You may apply additional charges for value-added services to all card and ACH payments.

1. Click **Save and Continue**.
2. Review the fees and click **Submit**.

- You return to the merchant's details page with the ability to **Edit** the Fee Profile.

## Viewing / Editing the Fee Profile

You can view a Fee Profile's fees from the merchant's details page > **Account Settings** > **Fee Profiles** tab.

For example, in the screenshot below, the **Card Brand Overrides** (interchange) section shows fees for Visa, Mastercard, American Express, and more.

You can also click **Edit** to update the Fee Profile.

## Viewing Transaction Fees

You can view a specific transaction's fees in the Finix Dashboard or via the API.

### Using the Finix Dashboard

*To view a transaction's fees using the Finix Dashboard*:

1. From the left navigation, expand **Transactions** and click **Payments**.
2. Click a transaction.
3. A drawer opens that provides a high-level overview of the transaction. Click **View All Details**.
4. Scroll down to the **Associated Fees** section.
   - You will see the list of fees applied to the transaction.

1. You can view the corresponding fees on the Fee Profile by navigating to the merchant's details page > **Account Settings** > **Fee Profiles** tab.

### Using the API

View transaction fees using the API by sending a request to the [GET /fees](/api/fees/listfees) endpoint with the ID of the `Transfer` or `Authorization`. The response lists all fees applied to the transaction.

In the response, `fee_type: VISA_ACQUIRER_PROCESSING_FIXED` corresponds to the `visa_acquirer_processing_fixed_fee` field on the Fee Profile.

## Creating Fee Profiles via API

Creating a `Fee Profile` is a three-step process:

1. Create a `Fee Profile`.
2. Update the `Merchant` to use the new `Fee Profile` for new transactions.

### Step 1: Create a Fee Profile

You can create a `Fee Profile` with the following API request:

Example
API Definition
Record the `id` of the new `Fee Profile` from the response:

```json
{
  "id": "FPryaDMUDq9Tcc5epVpro1Jj",
  "created_at": "2025-11-18T17:28:49.56Z",
  "updated_at": "2025-11-18T17:28:49.56Z",
  "ach_basis_points": 30,
  "ach_basis_points_fee_limit": 50,
  "ach_credit_return_fixed_fee": 25,
  "ach_debit_return_fixed_fee": 30,
  "ach_fixed_fee": 40,
  "ach_notice_of_change_credit_fixed_fee": 12,
  "ach_notice_of_change_debit_fixed_fee": 25,
  "ach_fixed_fee": 40,
  "tags": {},
  "visa_acquirer_processing_fixed_fee": 80,
  "visa_assessments_basis_points": 40,
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPryaDMUDq9Tcc5epVpro1Jj"
    }
  }
}
```

### Step 2: Retrieve the Merchant Profile

To update your merchant's `Fee Profile`, you need the `Merchant Profile` of the `Merchant`.

You can get the `Merchant Profile` by sending a request to the [GET /merchants](/api/merchants/getmerchant) endpoint with the `Merchant` ID. The response includes the `merchant_profile` field.

### Step 3: Updating the Merchant to use the Fee Profile

After you have the `merchant_profile` ID and the `fee_profile` ID from previous requests, send a request to the PUT `/merchant_profiles` endpoint to update the `Merchant Profile` with the `Fee Profile`.

Only the `fee_profile` field is required in the request.

```shell
curl "https://finix.sandbox-payments-api.com/merchant_profiles/MPrqHHN5y5Up4AGYENnEGvah" \
  -H "Content-Type: application/json" \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  -X PUT \
  -d '{
      "fee_profile": "FPryaDMUDq9Tcc5epVpro1Jj"
  }'
```

After you update the `Merchant Profile`, all new transactions will have this `Fee Profile` applied. Transactions created before the change will use the previous `Fee Profile`.