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Under this structure, Moov charges your platform a processing fee for each successful payment, which you can pass on to your customers on a per-transfer basis. Failed transfers and additional items that are not supported in this flow are invoiced to your account on a monthly basis.

When you set a facilitator fee, the fee amount is deducted from the transfer, so the destination receives the net amount. Your wallet is credited with the fee once the transfer completes. No fees are incurred if a transfer fails.

Moov supports two fee structures:

• Total: A flat percentage fee charged to the destination, for example, 4.00% per transfer
• Markup: An amount added on top of Moov's fee, for example, Interchange + 1.90% & $0.10

When creating transfers, specify your fee using either total/totalDecimal or markup/markupDecimal. The decimal versions support up to nine decimal places. Only one of total or totalDecimal, or markup or markupDecimal can be used.

Guidelines

Below is a summary of general guidelines for facilitator fees:

• To pass through exact processing costs with no markup, set markup to 0
• Anything above your cost must be calculated in your system and the markup must be sent to Moov as a dollar amount in the transfer
• Your fee cannot exceed the maximum limits:
  • For total fees: Must be less than the transfer amount
  • For markup fees: Depends on transfer type:
    • card-acquiring: Total (markup + Moov fees + estimated interchange) must be less than transfer amount
    • rtp or push-to-card: Total (markup + Moov fees) must be less than transfer amount
• If no facilitator fee is specified, your wallet is debited to cover your processing fees

Charges & reconciliation

Card payments include Moov fees with interchange and other costs finalized at completion. Fee breakdowns appear in moovFeeDetails on each transfer:

• interchange: Determined at the time of settlement and charged upon completion for Visa, Mastercard, and Discover
• discount: Determined at the time of settlement and charged upon completion for American Express
• cardScheme: Network fees charged at completion
• moovProcessing: Your agreed-upon processing rate with Moov

Your platform receives the facilitator fee and is debited the moovProcessing fee, visible in the facilitator-fee transaction in your wallet.