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Transaction fees

Pass on the transaction fees directly to your users.

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 to a balance account of your user. This is useful if you want to pass on the transaction fees to your user directly, instead of settling this later by transferring funds between balance accounts. You can charge the following fees directly to your user:

  • Interchange
  • Scheme Fees
  • Acquirer Markup
  • Blend Commission

Processing fees and discounts due to tiered pricing structures cannot be booked directly to the user’s balance account, since these are aggregated amounts (inclusive of refused and cancelled transactions) and cannot be allocated to individual payments.

Book the transaction fees to your user

  1. When splitting a payment, include an additional split item for the transaction fees.

    When adding a new split item, always include this in the total number of split items specified in the split.nrOfItems field.

  2. For this split item, specify:

    Key Description Example
    split.item[ITEM_NUMBER].type The type of split. Set this to PaymentFee. split.item3.type=PaymentFee
    split.item[ITEM_NUMBER].account Account that will be charged the transaction fees. This is the balanceAccountId of one of your user's balance accounts.
    You cannot charge the transaction fees to multiple balance accounts.
    		 split.item3.account=BA00000000000000000000001
    split.item[ITEM_NUMBER].reference Your reference for the transaction fees, reflected in the Balance Platform Accounting Report. split.item3.reference=reference_PaymentFee
    split.item[ITEM_NUMBER].description Your description for the transaction fees, reflected in the Balance Platform Accounting Report. split.item3.description=description_PaymentFee

    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, let's 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.