# Payout fees

Provide customers and payout recipients multiple payout options. Offer no/low-cost standard ACH payouts alongside faster payout methods with higher fees, allowing recipients to choose their preferred payout method.

Your Moov [fee plan](/guides/billing/plan-options/) determines fee amounts, including payout fees. For each supported payout method, you choose how the payout fee is funded.

- **Merchant fee (default):** The fee is charged to the source's Moov wallet and the recipient receives the full payout amount. This is the default behavior.
- **Recipient fee:** The fee is deducted from the destination before the funds are delivered and the source's Moov wallet is debited the original payout amount.

Recipient-paid fees are available for supported outbound payout methods:

- `ach-standard`
- `ach-same-day`
- `push-to-card`
- `push-to-apple-pay`
- `push-to-google-pay`
- `instant-bank-credit`

## [Transfers and payment links](#transfers-and-payment-links)

For payouts created directly through the API, you can choose the fee funding option when you create the transfer or payment link. If you omit the fee option, the merchant/business pays the fee.

[Transfer](#tab-845962731-1-0) [Payment link](#tab-845962731-1-1)

Create recipient fee options by setting `payout` to `destination` or `source`. If not set, the default is `source` (funding wallet).

```json
{
  "feePaidBy": {
    "payout": "destination"
  }
}
```

Create recipient fee options by setting the `PayoutFeePaidByKey` to `destination` or `source`. If not set, the default is `source` (funding wallet).

```json
{
  "feePaidBy": {
    "instant-push-to-card": "destination",
    "deferred-push-to-card": "destination",
    "instant-bank-credit": "destination"
  }
}
```

`PayoutFeePaidByKey` options:

- `instant-push-to-card`
- `deferred-push-to-card`
- `instant-push-to-apple-pay`
- `deferred-push-to-apple-pay`
- `push-to-google-pay`
- `rtp-credit`
- `ach-credit-same-day`
- `ach-credit-standard`

See the [send funds](/guides/money-movement/send-payments/send-funds/) tutorial or the [payment links](/guides/money-movement/payment-links/) guide for more information.

## [Returns and failed payouts](#returns-and-failed-payouts)

If a payout fails before it's completed, the payout and the fee are fully reversed. If a completed ACH credit is returned, only the original amount paid out to the recipient is returned to the source Moov wallet - the payout fee is not refunded.