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Charging a Platform Fee

If your Platform charges a fee or commission when facilitating payments for your Partners, the Platform fee feature allows you to do so automatically.


This feature is currently available in Indonesia ๐Ÿ‡ฒ๐Ÿ‡จ and the Philippines ๐Ÿ‡ต๐Ÿ‡ญ

Learn about Platform Fee use cases

Business ModelUse Case
Online marketplacesCharge a commission for each sale you facilitate for sellers.
Multi-branch businesses (retailers, franchise businesses)Charge a management/admin fee per transaction from your branches.
Payment resellersMark up transaction fees and receive profit.
SaaS PlatformsAllow your customers to receive payments, and monetize more by charging a platform fee.

Let us know if you are interested in using this feature for other use cases.

Charge Platform Fee automatically in 2 steps

1. Create a Fee Rule via API

Fee Rule is an object that could be created in our system to set a new commission rate on your platform. E.g: as a franchise business you're looking to receive 5000 flat fee for each transactions made in Jakarta stores, and 5% of revenue made by stores in Bali. You can create two fee rules that takes 5% IDR percent fee and 5000 IDR flat fee

Steps to create Fee Rule:

  • POST to
    • Fee Rule lets you set a flat or percent amount from each transaction
    • You also need to specify currency of IDR or PHP
    • Xendit does the fee calculation for you
    • The Fee Rule amount should be less than total transaction amount

2. Create a Transaction (e.g. Invoice, OVO Payment) via API with the Fee Rule

You can apply a fee rule to a specific transaction. Use with-fee-rule header on the API call when you are creating a transaction on behalf of your partners E.g: as an online marketplace, you want to take 10% commission only from apparel purchase transactions. You can apply with-fee-rule header to this transaction type only

Steps to create Transaction with Fee Rule:

  • POST to using with-fee-rule header containing fee ID
  • You can find Fee ID on Fee Rule Dashboard

Learn more on our API reference.

Settlement & flow of funds

Once the transaction is settled to your partnerโ€™s account, Xendit will automatically deduct platform fees from your partner and transfer it to your platform account

  • Fee Rule will debit the fee amount and reflect it on the platform dashboard
  • Fee Rule will credit the fee amount and reflect it on the partner dashboard

E.g: if you create a Fee Rule taking 30% commission fee for each transaction. When you create a transaction of 100.000 IDR for your merchant and include this Fee Rule, 30.000 IDR will be transferred to the Platform account, while 70.000 IDR will remain on the Partnerโ€™s account.

Payment channels that can be charged with the Platform Fee feature

Fees will be transferred from your Partner's Account to your account with various time intervals (instant or up to 15 minutes) from when settlement occurs. The Platform fee is deducted depending on the payment method as follows:

๐Ÿ‡ฎ๐Ÿ‡ฉ Indonesia (ID)

Payment MethodAvailabilityNotes
Invoice APIโœ…Instant deduction for Virtual Account and Cards, up to 15 minutes for other payment method after payment settlement
Cards APIโœ…Deduction up to 15 minutes after payment settlement
Virtual Account APIโœ… (only for single use & closed amount)Deduction up to 15 minutes after payment settlement
eWallet APIโœ…Instant deduction after payment settlement
QR Code APIโœ… (only for Dynamic QR)Deduction up to 15 minutes after payment settlement
Retail Outlet (OTC) APIโœ…Instant deduction after payment settlement

๐Ÿ‡ต๐Ÿ‡ญ Philippines (PH)

Payment MethodAvailabilityNotes
Invoice APIโœ…Deduction up to 15 minutes after payment settlement
Cards APIโœ…Instant deduction after payment settlement
eWallet APIโœ…Instant deduction after payment settlement
Retail Outlet (OTC) APIโœ…Instant deduction after payment settlement

Monitor and track Fees on your Dashboard

You can also monitor all the charged platform fees and track the fee rules that have been created in your system.

E.g as any platform business, you need to check whether payments are successfully received in the system, and do financial reconciliations on the settled fees - you can have access to our user friendly dashboard, easily track the fees created and also check payment status.

1. Monitor Platform Fees

Check payment status, settlement dates, filter fees and more.

On the Platform Fees tab, you will see the following columns:

  • Fee ID: This column shows the unique fee rule ID applied on this transaction. This was generated by Xendit system when you first created a fee rule.
  • Reference: A unique reference of your transaction from your server, such as external_id parameter.
  • Date Created: The date in which transaction with applied fee rule was created.
  • Source Account ID: The unique account name and ID of account that is deducted with platform fee.
  • Transaction Amount: The total amount of transaction paid by the end-payer.
  • Total Platform Fee: The total amount of fee or commission taken by the Platform.
  • Date Settled: The date in which the transaction is settled to the Xendit account.
  • Status: The status of the Platform Fee in the system.
CompletedPlatform Fee has been settled to your PlatformThe fee amount will appear on your balance & transaction tab.
PendingPlatform Fee is still pendingThere are two possibilities why:
1. the transaction has not settled to Xendit
2. the system is still in the process of transferring the fees to your Platform
FailedFailure in charging the platform feeThis could be due to reasons such as:
1. Partner account has insufficient balance
2. End-payer failed to pay the transaction
3. Payment has expired

2. Export Fees

You can also export the list of Platform Fees that your account receives and filter through the dates and status of these fees along with the original transaction to help with your reconciliation.

Steps to Export the Fees

  1. Filter the date and status according to your needs
  2. Click the export button on the Platform Fee dashboard
  3. Upon clicking the export button, we will send you the reports directly to your email in CSV format.

This export feature can handle up to 100,000 rows total. If your data exceeded this number, we will return an error and you will be prompted to filter a smaller range of data set

3. Track Fee Rules created

You can also track the list of created fee rules on the dashboard and filter through the search bar using Fee Rule ID

On the Fee Rules tab, you will see the following columns:

  • Fee Rule Name: This column shows the name to identify fee rule.
  • Fee Rule ID: This is the ID generated by Xendit when you first created the fee rule via API.
  • Total Platform Fee: This is the specified amount of Platform Fee when you first created fee rule via API. This could be in percentage amount or a flat rate.
  • Date Created: This column shows the date of which you created the fee rule via API.

Learn more you can reach out to us for a free demo for this feature, no commitments.