> For the complete documentation index, see [llms.txt](https://docs.omni.integratedcommerce.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.omni.integratedcommerce.io/settlement-reporting/fee-charges.md). # Fee charges Every fee charged to the merchant, whether withheld from a deposit or billed monthly. {% hint style="warning" %} Settlement reporting is in **beta** and is not yet available to every merchant. See [The reporting model](/settlement-reporting/reporting.md) for how to ask for access. {% endhint %} A fee charge (`mfc_` id) is a fee charged to the merchant. A fee associated with a deposit carries a `settlementId`; a per-transaction fee also identifies the settled line through `settledTransaction`. Other fees, such as monthly service charges, can stand alone. ```http GET /fee-charges?date=2026-07-01 GET /fee-charges?fromDate=2026-07-01&toDate=2026-07-31&filters=source==StatementOnly ``` Listed by charge date. Filter and sort fields: `category`, `source`, `amount`, `chargeDate`. The [date parameters](/settlement-reporting/settlements.md#date-parameters) are the same as the settlement endpoints, and either `date` or `fromDate`/`toDate` must be provided. ## source: where the fee came from | Value | Meaning | | ------------------ | ------------------------------------------------------------------------------------------------------------------------------- | | `SettlementLinked` | A fee associated with a transaction or settlement and charged on its assessment date under daily billing. | | `StatementOnly` | Billed on the merchant's monthly statement or invoice, including transaction and settlement fees scheduled for monthly billing. | For a transaction or settlement fee assessed daily but billed monthly, `chargeDate` is the first of the following month. The assessment date appears in `periodStart` and `periodEnd`. Use `chargeDate` to select the billing period you want to report on. ## Card Net and Card Gross fees | Settlement model | Deposit treatment | Fee reporting | | ----------------------------------------------- | ------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------- | | Card Net (`type: Card`, `fundingType: Net`) | Interchange and discount fees are already deducted from the settlement `amount`. | The fees are also itemized here, typically as `DailyInterchangeFee` and `DailyDiscountFee`, linked to the settlement rather than a transaction line. | | Card Gross (`type: Card`, `fundingType: Gross`) | Interchange and discount fees are billed separately; they do not reduce the settlement `amount`. | Read fees by `chargeDate`. Under monthly billing, fees assessed daily have `source: StatementOnly` and a charge date on the first of the following month. | Funding type and fee billing schedule are separate terms. Do not infer a fee's `source` or `chargeDate` from `fundingType` alone. A `StatementOnly` fee can carry a `settlementId`; the link alone does not mean the fee was withheld from that deposit. Reserve holds and transfers can change deposits in both card funding models, but they are not posted fees and are excluded from this endpoint. See the [Card Net and Card Gross example](/settlement-reporting/settlements.md#card-net-and-card-gross-example) for the amounts on the deposit and its transaction lines. {% hint style="success" %} Filter on `source==StatementOnly` to list the charges assigned to monthly billing. For one merchant, one rail, and one statement period, these charges - including `InterchangeAndPassthrough` - reconcile to the amount the provider's statement says was deducted. {% endhint %} ## status | Value | Meaning | | ---------- | ------------------------------------------------------------ | | `Posted` | The entry was charged to the merchant. | | `Held` | Not posted as a fee; excluded from this endpoint. | | `Reversed` | A previous charge was reversed; excluded from this endpoint. | `GET /fee-charges` returns only `Posted` fees. Held and reversed entries are excluded, as are reserve movements that do not represent a fee. ## category: an open set, not a closed enum {% hint style="danger" %} `category` is an **open set of strings, not a closed enum**. A fee can use a specific fee name or one of the general categories below. New values can be added without an API version change. Treat a value you do not recognise exactly as you treat `Other`: read `description`, which carries the wording the provider printed. **Do not fail on an unknown value.** {% endhint %} ### General fee categories These categories describe broad groups of fees. Read `description` for the wording of the individual charge. | Category | High-level meaning | | ------------------- | ---------------------------------------------------------------------------------------------------------------------------- | | `MonthlyService` | Fees for maintaining the merchant account and related payment services, such as statements, reporting, and gateway services. | | `PciCompliance` | Fees related to Payment Card Industry (PCI) compliance, including compliance services and non-compliance assessments. | | `OneTimeSetup` | One-time fees for setting up a service, such as an account, gateway, or wireless connection. | | `NetworkAssessment` | Card-network charges passed through to the merchant, such as registration or network participation fees. | | `Equipment` | Fees for payment terminals and related hardware, including charges for equipment that was not returned. | | `Other` | Fees with no more specific classification. Read `description` for the reported fee wording. | ### Transaction and settlement fees These have `source: SettlementLinked` under daily billing. Under monthly billing, the same fee categories can have `source: StatementOnly` and a later `chargeDate`. | Category | Meaning | | --------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `DailyDiscountFee` | The daily discount fee assessed against a card settlement. | | `DailyInterchangeFee` | The daily interchange fee assessed against a card settlement. | | `TransactionFee` | A per-transaction settlement fee, for example an ACH transaction's processing fee. | | `ReturnFee` | Charged when a payout could not be completed. For ACH, typically a closed or invalid bank account - so no money reached the merchant and this fee is the only thing the attempt produced. Its settled line has a `transactionType` of `Return`. | | `PerSettlementFee` | A flat fee a merchant's pricing applies once to a settlement, independent of what settled in it. Assessed against the deposit rather than any one line, so it carries a `settlementId` and no `settledTransaction`. | ### Fees billed on a monthly statement or invoice These fees have `source: StatementOnly`. The examples below show specific fee names grouped under the general categories. A named fee uses its specific value in `category`, such as `GatewayService`, rather than the group name `MonthlyService`. | General category | Example fees | | ------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `MonthlyService` | Monthly gateway service (`GatewayService`), monthly statements (`StatementFee`), and online reporting (`WebReportsAlerts`). | | `PciCompliance` | PCI compliance service (`PciFee`), non-compliance assessments (`NonComplianceAssessment`), and incomplete compliance questionnaires or scans (`SaqScanIncomplete`). | | `OneTimeSetup` | Application processing (`ApplicationFee`), gateway setup (`GatewaySetup`), and wireless activation (`WirelessActivation`). | | `NetworkAssessment` | Visa registration (`VisaRegistrationFee`), Mastercard registration (`McRegistrationFee`), and debit-network participation (`PinBasedDebitNetworkFee`). | | `Equipment` | A charge for equipment that was not returned (`UnreturnedEquipment`). | | `Other` | An unclassified statement fee or a fee printed under unrecognized wording. It is reported as `Other`, with the original wording in `description`. | These are representative examples. The fees charged depend on the merchant's pricing and services. Read each charge's `description` for the reported wording and `chargeDate` for when it is billed. An ACH fee is listed once, even when both a settlement report and a monthly invoice include it. ### Derived | Category | Meaning | | --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `InterchangeAndPassthrough` | Interchange and other costs a card statement passes through without naming them individually. Its amount is the statement's total deducted fees minus the sum of named fees. It has `source: StatementOnly`. | ## Do not double-count {% hint style="warning" %} Every fee withheld from a settlement amount is also itemized here. A net-funded settlement's `amount` is already net of its fees, so adding these fee charges to it counts them twice. See [The reporting model](/settlement-reporting/reporting.md#amounts). {% endhint %} ## Related * [The reporting model](/settlement-reporting/reporting.md) * [Settlements](/settlement-reporting/settlements.md)