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:

1. A sub-account fee for that account, if one exists.
2. 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. Not applicable to conversion fees.

For conversion fees, you set a rate for the forward direction and an optional reverse_rate for the opposite direction.

Computed fees are rounded down (truncated toward zero) at the asset's scale.

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. Requires a unique X-External-ID (UUID v4) for idempotency.
• 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 — partial update of rate fields only; scope and fee type are fixed.
• Delete Partner Fee