Partner Fees Overview

This page explains how partner fees work — the fees you (the partner) charge your own customers, applied in addition to 1Money's platform fees.

Definitions

Partner Fee: a fee a partner charges its customers on their transactions, configured per account and applied on top of 1Money's own fees.
Main-Account default fee: a partner fee created on your Main-Account. It applies to all sub-accounts under the enterprise, unless a more specific sub-account fee overrides it.
Sub-Account fee: a partner fee created on a specific sub-account. It applies only to that sub-account.

Fee Resolution

When a transaction occurs, the most specific matching fee wins:

A sub-account fee for that account, if one exists.
Otherwise, the Main-Account default fee.

Within a tier, the most targeted scope (a specific currency/token over a wildcard) is selected.

Supported Transaction Types

Partner fees can be applied to:

Fiat Deposit (FIAT_DEPOSIT)
Fiat Withdrawal (FIAT_WITHDRAWAL)
Crypto Withdrawal (CRYPTO_WITHDRAWAL)
Conversion (CONVERSION)

Fee Structure

Each fee combines:

Rate — a percentage as a decimal (e.g. 0.001 = 0.1%), >= 0 and < 1, with up to 5 decimal places.
Fixed — a flat amount in the transaction's currency/token unit. Conversion fees have separate fixed amounts for each asset, as described below.

For conversion fees, set rate for the from_asset → to_asset direction and optional reverse_rate for the opposite direction. You can also set from_asset_fixed and to_asset_fixed, denominated in their respective asset units. Both default to zero. A fixed amount must be zero when its corresponding asset is omitted as a wildcard.

Computed fees are rounded away from zero at the asset's scale. For a positive fee, this rounds up: for example, a USD fee of 0.001 becomes 0.01 at a two-decimal scale. Use the fee returned by the API for the transaction.

Fee Scope

Each fee can be scoped to a dimension, or left as a wildcard (omit the field) to apply broadly:

Fiat: by currency and payment_rail (e.g. USD + US_FEDWIRE).
Crypto: by token and network (e.g. USDC + ETHEREUM).
Conversion: by from_asset / to_asset pair.

Managing Partner Fees

Partner fees are managed under an account:

Create Partner Fee — create on the Main-Account for a default that covers all sub-accounts, or on a sub-account for a fee specific to it. Include a unique UUID v4 in the required JSON body field external_id. Reusing it returns 409 Conflict; use List Partner Fees with that external_id to find the existing rule.
List Partner Fees — set include_sub_accounts=true on the Main-Account to also include sub-account fees, or look up a single fee by its external_id.
Get Partner Fee
Update Partner Fee — update rate and fixed for non-conversion fees, or rate and reverse_rate for conversion fees. Scope and fee type cannot be updated. Recreate a conversion fee to change from_asset_fixed or to_asset_fixed.
Delete Partner Fee