🏦Fee

Features

  • Receive 1 USD balance upon registration for integration testing.

  • Single transaction fee capped at 10 USD, friendly for large amounts.

  • Tiered fee structure, the more you use, the more you save.

Tiered Fee Structure Explanation

This document introduces the XCash cryptocurrency payment gateway's tiered fee model charged to merchants, including tier definitions, calculation process, and typical examples to help you evaluate costs before integration and reconcile with your accounting system.

1. Billing Object and Scope

  • Billing Unit: Based on US Dollars (USD), the system converts the invoice value to USD when the invoice is confirmed.

  • Statistical Period: Accumulated by calendar month. Each merchant (account) maintains a monthly cumulative transaction volume in the backend, updated in real-time with each confirmed order.

  • Fee Deduction Timing: Fees are deducted immediately when the on-chain transaction reaches confirmation standards and the invoice status changes to completed; deduction records are written to balance details and displayed in the merchant backend.

  • Important Note: For simplified calculation, USDT, USDC, and DAI are all calculated at 1 USD equivalent.

2. Tier Levels

Tier Start (USD)
Tier End (inclusive, up to one unit before next tier start)
Fee Rate

0

50,000

1%

50,000

100,000

0.8%

100,000

200,000

0.6%

200,000

∞

0.4%

3. Calculation Process

  1. Read the merchant's current month cumulative transaction volume.

  2. Match tiers sequentially from low to high based on order value (USD):

    • If the current month's cumulative transaction volume has exceeded one or more tiers, skip those tiers;

    • Otherwise, calculate the remaining capacity of the tier and deduct from the pending amount no more than the remaining capacity.

  3. Record each occupied tier segment as a "amount × rate" path, then sum them to get the total fee.

  4. Large amount friendly: single transaction fee capped at 10 USD.

  5. Save the fee rate path (JSON) to invoice details for merchant auditing.

4. Examples

  1. First transaction of the month: 100 USD

    • Current cumulative: 0, order amount: 100.

    • Entirely within the 1% fee tier, fee = 1 USD.

  2. Monthly cumulative: 49,500 USD, new transaction: 1,000 USD

    • First, fill the 0-50,000 tier with 500 USD (49,500 → 50,000), fee rate 1%, fee 5 USD.

    • Remaining 500 USD falls in the 50,000~100,000 tier at 0.8% → fee 4 USD.

    • Total: 4 USD + 5 USD = 9 USD

  3. Monthly cumulative: 60,000 USD, current order: 30,000 USD

    • 60,000→100,000: 40,000 capacity remaining, current order occupies 30,000.

    • Entirely within the 50,000~100,000 tier, fee rate 0.8%, fee 240 USD.

    • Cap triggered: Since 240 > 10, actual charge is 10 USD per rules.

  4. Monthly cumulative: 210,000 USD, current order: 5,000 USD

    • Entirely in the 200,000+ tier, fee rate 0.4%, theoretical fee 20 USD → actual charge 10 USD (capped).

Friendly Reminder: When order amounts are large or monthly cumulative breaks into higher tiers, please note the capping policy to prevent reconciliation discrepancies.

For custom fee rates or to purchase higher no-fee packages, please contact our service team: [email protected].

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