> ## Documentation Index
> Fetch the complete documentation index at: https://docs.yativo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fee Schedule

> Fee Schedule — integration guide for the Yativo API.

`GET /v1/fees` returns the fees your account is charged for every service it can use. Each fee line shows the fixed fee, the percentage fee, and the minimum and maximum charge.

The schedule is specific to your account:

* If your account has **custom pricing** for a line, that line shows your custom fees and your custom minimum/maximum charge, with `source: "custom"`.
* If your **plan** prices the line (for example a custom pricing plan built for your account), it shows the plan's fees, with `source: "plan"`. When both exist, Yativo decides which one applies to your account.
* Otherwise the line shows the **default** rate for your plan, with `source: "default"`.

Related guides:

* [Payin & Payout Integration](https://docs.yativo.com/yativo-platform/money-movement/payins.md): quotes and transactions use these same fees.

***

## Environments

| Environment | Base URL |
| - | - |
| Sandbox | `https://smtp.yativo.com/api/v1` |
| Production | `https://api.yativo.com/api/v1` |

## Request

```http theme={null}
GET /v1/fees
Authorization: Bearer <token>
```

API-key authentication works too. Team members need the **Billing → view** permission (`team.billing.view`).

## Response

```json theme={null}
{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": {
    "plan_id": 2,
    "payin": [
      {
        "gateway_id": "9b1c…",
        "method_name": "SPEI",
        "country": "MEX",
        "currency": "MXN",
        "fixed_fee": 0.5,
        "float_fee": 1.2,
        "min_charge": 1,
        "max_charge": 50,
        "fee_currency": "USD",
        "source": "custom"
      }
    ],
    "payout": [ { "gateway_id": 12, "method_name": "ACH", "...": "same fields as payin" } ],
    "virtual_account": [
      {
        "currency": "USD",
        "display_currency": "USD",
        "network": "ACH",
        "fixed_fee": 0.6,
        "float_fee": 0.6,
        "min_charge": null,
        "max_charge": null,
        "fee_currency": "USD",
        "source": "default"
      }
    ],
    "virtual_card": [
      { "action": "card_creation", "fixed_fee": 3, "float_fee": 0, "min_charge": null, "max_charge": null, "fee_currency": "USD", "source": "default" }
    ],
    "employee_card": null
  }
}
```

### Sections

| Key | What it covers |
| - | - |
| `payin` | Every active payin method. `gateway_id` is the method id used when you create a deposit or quote. |
| `onramp` | Card/bank onramp currencies. `gateway_id` is the onramp method id; create checkouts with `POST /v1/onramp`. |
| `payout` | Every active payout method. `gateway_id` is the payout method id. |
| `virtual_account` | Deposit fees for each virtual-account currency. A currency whose fee depends on the network it arrives on (for example USD over ACH or wire) has one line per `network`. |
| `virtual_card` | Virtual card actions: `card_creation`, `topup`, `charge_back`, `card_termination`, `card_decline`. |
| `employee_card` | Employee (business spend) card actions, such as `virtual_card_create`, `physical_card_create` and `authorization_domestic`. It is **`null` if your business is not enabled for employee cards**. Actions that are free are left out. |

### Fee line fields

| Field | Description |
| - | - |
| `fixed_fee` | Flat fee per transaction or action, in `fee_currency`. |
| `float_fee` | Percentage of the transaction amount (e.g. `1.2` = 1.2%). |
| `min_charge` | The lowest fee charged. If fixed plus percentage comes to less than this, you pay `min_charge`. `null` = no minimum. |
| `max_charge` | The highest fee charged. `null` = no maximum. |
| `waive_above` | `employee_card` only: the fee is waived when the transaction amount is above this value. `null` = never waived. |
| `fee_currency` | Currency of `fixed_fee`, `min_charge` and `max_charge`. |
| `source` | `custom` = pricing agreed for your account. `default` = your plan's standard rate. |

### How a fee is calculated

```
fee = fixed_fee + amount × float_fee / 100
fee = max(fee, min_charge)   // when min_charge is set
fee = min(fee, max_charge)   // when max_charge is set
```

Custom pricing replaces the default entirely, including its minimum and maximum. A custom line with `min_charge: null` has no minimum, even if the default rate has one.

Payin and payout quotes also include an exchange-rate margin, which is not part of this schedule. Request a quote to see the full amount you will be charged.

When platform service fees are invoiced (maintenance, annual KYC/KYB), pay and track them with [`/business/billing/*`](https://docs.yativo.com/yativo-platform/business/subscriptions#service-fee-bills) — not through transaction history.

## Errors

| Status | Meaning |
| - | - |
| 401 | Missing or invalid credentials. |
| 403 | Your team role doesn't include `team.billing.view`. |
| 400 | `Something went wrong, please try again later`. |


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