Transaction fees

Transaction fees refer to the costs you incur on a transaction in your platform, that are not known at the time of payment. They are calculated by Adyen after we receive the payment request.

By default, these fees are deducted from your liable balance account. However, you can also book them directly your user. This is useful if you want to pass on the transaction fees, instead of settling this later by transferring funds between balance accounts. You can charge the following fees directly to your user:

• Interchange
• Scheme Fees
• Adyen's Markup
• Adyen's Commission

You can book these fees together to one balance account, or the separately to different balance account.

Book the transaction fees to your user

To book all transaction fees to your user's balance account, send a payment request with an additional split item.

For this split item, specify:

You do not need to specify the split.item[ITEM_NUMBER].amount field, since the transaction fees are not known when creating the payment request.

For example, you want to split a payment of EUR 620.00 into three parts:

1. EUR 600.00 to be booked to your user's first balance account as the sale amount.
2. The transaction fees to be booked against your user's first balance account. This will be deducted from the sale amount.
3. EUR 20.00 to be booked to your liable account as your platform's commission.

In this case, set split.nrOfItems to 3 and split.totalAmount to 62000.

If the payment is successful:

• Approved is shown on the terminal display.
• You receive a payment response with:
  • POIData.POITransactionID.TransactionID: transaction identifier for the payment in the format tenderReference.pspReference. For example, oLkO0012498220087000.981517998282382C.
  • PaymentResponse.Response.Result: Success
  • PaymentResponse.Response.AdditionalResponse: additional transaction data. Its format corresponds to the format of the SaleToAcquirerData in the payment request: a Base64-encoded JSON object or form-encoded key-value pairs.
  • PaymentReceipt: object with data you can use to generate a receipt.

You can also view the details of a payment in your Customer Area under Transactions > Payments, and the splits in your Balance Platform Customer Area.

Book transaction fees separately

Transaction fee types

You can book different types of transaction fees to different balance accounts in your platform. Depending on whether you want to aggregate fees or book individual fee types to specific balance accounts, you can include additional split items with a different type in your request.

Type	Aggregated fees	Description
PaymentFee		Books the aggregated amount of all transaction fees to the specified balance account.
AcquiringFees		Books the aggregated amount of the Interchange and Scheme fees to the specified balance account.
Interchange		Books the Interchange fees to the specified balance account.
SchemeFee		Books the Scheme fees to the specified balance account.
AdyenFees		Books the aggregated amount of Adyen's Commission and Markup to the specified balance account.
AdyenCommission		Books Adyen's Commission to the specified balance account.
AdyenMarkup		Books Adyen's Markup to the specified balance account.

The following diagram shows how the transaction fee types relate to each other.

If you send a payment request with multiple split items for different transaction fee types, they are processed based on the granularity of the fee type. The booking instructions sent for more granular fee types override the instructions for the aggregated fees.

For example, you can include two split items for transaction fees in your payment request: one with type PaymentFee booked to your user's balance account, and another with type AdyenMarkup booked to your platform's liable balance account.

If only the PaymentFee were specified in the request, all transaction fees would be booked to the same balance account, because PaymentFee aggregates all fee types, including the Markup. However, because AdyenMarkup is also sent in the request, and it's on a more granular level than PaymentFee, AdyenMarkup overrides PaymentFee for booking the Markup. This means that the Interchange, Scheme fee, and Adyen's Commission are booked to BA00000000000000000000001, while the Markup is booked to BA00000000000000000LIABLE.

{
  "SaleToPOIResponse":{
    "MessageHeader":{...},
    "PaymentResponse":{
      "POIData":{
        "POITransactionID":{
          "TransactionID": "oLkO0012498220087000.981517998282382C"
        },
        ...
      },
      "Response":{
        "AdditionalResponse":"split.api=1&split.nrOfItems=4&split.totalAmount=40000&split.currencyCode=EUR&split.item1.amount=39600&split.item1.type=BalanceAccount&split.item1.account=BA00000000000000000000001&split.item1.reference=reference_split_1&split.item1.description=description_split_1&split.item2.amount=400&split.item2.type=Commission&split.item2.reference=reference_commission&split.item2.description=description_commission&split.item3.type=PaymentFee&split.item3.account=BA00000000000000000000001&split.item3.reference=reference_PaymentFee&split.item3.description=description_PaymentFee&split.item4.type=AdyenMarkup&split.item4.account=BA00000000000000000LIABLE&split.item4.reference=reference_AdyenMarkup&split.item4.description=description_AdyenMarkup",
        "Result":"Success",
      },
      ...
    },
    "PaymentReceipt":{...}
  }
}

See also