Implementation Guide
Fee Configuration Configure fee types, fee calculation rules, promo code waivers, and GST handling for your prepaid program.
The platform supports 30+ fee types configurable at the product level. Fees are calculated in real-time during transactions by the fee calculation engine.
Issuance Fees Transaction Fees Service Fees Forex Fees
Fee Description When Charged Issuance Fee One-time card/wallet issuance At issuance Card Replacement Fee Replacing lost/damaged cards At replacement Add-on Card Fee Supplementary card issuance At add-on creation Backup Card Fee Backup card issuance At backup card creation Registration Fee Program registration At onboarding Emergency Card Fee Expedited card issuance At emergency issuance
Fee Description When Charged Load Fee Wallet reload charge Per load transaction ATM Withdrawal Fee Cash withdrawal at ATM Per ATM transaction UPI Transaction Fee UPI payment fee Per UPI transaction IMPS Transaction Fee IMPS transfer fee Per IMPS transfer Surcharge Fee Network surcharge passthrough Per applicable transaction Pre-Auth Fee Pre-authorization hold fee Per pre-auth
Fee Description When Charged Annual Maintenance Fee Yearly card maintenance Annually Monthly Maintenance Fee Monthly card maintenance Monthly PIN Change Fee PIN change charge Per PIN change Balance Check Fee Balance inquiry fee Per inquiry Mini Statement Fee Statement generation Per statement KYC Upgrade Fee KYC tier upgrade At upgrade Inactivity Fee Dormancy charge When triggered Account Closure Fee Account closure At closure
Fee Description When Charged Cross-Currency Fee Currency conversion markup Per cross-currency transaction Transaction Markup Fee International transaction markup Per international transaction Forex ATM Withdrawal Foreign ATM cash withdrawal Per withdrawal Forex Balance Inquiry Foreign balance check Per inquiry
Field Description txn_feesBase fee amount service_taxGST/tax on fee base_txn_feesFee in base currency (forex) base_service_taxTax in base currency (forex)
Waive or discount fees for promotional campaigns:
Setting Description Promo Code Unique code (e.g., LAUNCH2024) Waived Fees List of fee types to waive Discount Percent 0–100% discount on fees Validity Period Start and end date for the promotion
Example: Waive issuance and annual fees for a launch campaign:
Setting Value Code LAUNCH2024Waived Fees Issuance Fee, Annual Fee Discount 100% Valid From 2024-01-01 Valid To 2024-12-31
Promo codes are applied at the customer level via POST /v1/customers/update/promocode. Fee waivers requiring authorization may need specific role permissions.
