Create a Fee Profile

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Overview

Create a new fee profile with customized pricing for your application. A Fee Profile represents a pricing scheme that automatically applies fees to each transaction. Changes to fee profiles take effect immediately and will be applied to all new transactions.

Resource Access

Production (api.ahrvo.network)

POST https://api.ahrvo.network/payments/na/fee_profiles

Staging (gateway.ahrvo.network)

POST http://gateway.ahrvo.network/payments/na/fee_profiles

Arguments

General Card Fees

Attribute	Mandatory / Optional	Description
`basis_points`	Optional	Base percentage fee for card transactions (in basis points, 100 bps = 1%)
`fixed_fee`	Optional	Base fixed fee for card transactions (in cents)
`charge_interchange`	Optional	Whether interchange fees are charged to the merchant (boolean)
`card_cross_border_basis_points`	Optional	Basis points for cross-border card transactions
`card_cross_border_fixed_fee`	Optional	Fixed fee (in cents) for cross-border card transactions

Card Brand-Specific Fees

Attribute	Mandatory / Optional	Description
`american_express_basis_points`	Optional	Percentage fee for American Express transactions
`mastercard_basis_points`	Optional	Percentage fee for Mastercard transactions
`visa_basis_points`	Optional	Percentage fee for Visa transactions
`discover_basis_points`	Optional	Percentage fee for Discover transactions
`jcb_basis_points`	Optional	Percentage fee for JCB transactions
`diners_club_basis_points`	Optional	Percentage fee for Diners Club transactions

ACH Fees

Attribute	Mandatory / Optional	Description
`ach_basis_points`	Optional	Percentage fee for ACH transactions
`ach_fixed_fee`	Optional	Fixed fee (in cents) for ACH transactions
`ach_basis_points_fee_limit`	Optional	Maximum value (in cents) for the ACH basis points fee
`ach_credit_return_fixed_fee`	Optional	Fixed fee for ACH credit returns
`ach_debit_return_fixed_fee`	Optional	Fixed fee for ACH debit returns
`ach_notice_of_change_credit_fixed_fee`	Optional	Fixed fee for ACH credit Notice of Change
`ach_notice_of_change_debit_fixed_fee`	Optional	Fixed fee for ACH debit Notice of Change

EFT Fees

Attribute	Mandatory / Optional	Description
`eft_basis_points`	Optional	Percentage fee for EFT transactions
`eft_fixed_fee`	Optional	Fixed fee (in cents) for EFT transactions
`eft_basis_points_fee_limit`	Optional	Maximum value (in cents) for the EFT basis points fee
`eft_credit_return_fixed_fee`	Optional	Fixed fee for EFT credit returns
`eft_debit_return_fixed_fee`	Optional	Fixed fee for EFT debit returns

Dispute Fees

Attribute	Mandatory / Optional	Description
`dispute_fixed_fee`	Optional	Fixed fee (in cents) for disputes/chargebacks
`dispute_inquiry_fixed_fee`	Optional	Fixed fee (in cents) for dispute inquiries

Settlement Funding Transfer Fees

Attribute	Mandatory / Optional	Description
`settlement_funding_transfer_ach_basis_points`	Optional	Percentage fee for ACH settlement funding transfers
`settlement_funding_transfer_ach_fixed_fee`	Optional	Fixed fee for ACH settlement funding transfers
`settlement_funding_transfer_ach_basis_points_fee_limit`	Optional	Maximum value for ACH settlement funding basis points fee
`settlement_funding_transfer_eft_basis_points`	Optional	Percentage fee for EFT settlement funding transfers
`settlement_funding_transfer_eft_fixed_fee`	Optional	Fixed fee for EFT settlement funding transfers
`settlement_funding_transfer_eft_basis_points_fee_limit`	Optional	Maximum value for EFT settlement funding basis points fee

Ancillary Fees

Attribute	Mandatory / Optional	Description
`ancillary_fixed_fee_primary`	Optional	Primary ancillary fixed fee
`ancillary_fixed_fee_secondary`	Optional	Secondary ancillary fixed fee

Other Options

Attribute	Mandatory / Optional	Description
`rounding_mode`	Optional	The method used for rounding fees (e.g., `AGGREGATE`)
`tags`	Optional	Key-value metadata to attach to the fee profile

Example Request

curl -X POST https://gateway.ahrvo.network/payments/na/fee_profiles \
  -H "Content-Type: application/json" \
  -H "Authorization: Basic <base64_encoded_credentials>" \
  -d '{
    "basis_points": 275,
    "fixed_fee": 10,
    "charge_interchange": true,
    "card_cross_border_basis_points": 15,
    "card_cross_border_fixed_fee": 30,
    "ach_basis_points": 20,
    "ach_fixed_fee": 30,
    "ach_basis_points_fee_limit": 5000,
    "ach_credit_return_fixed_fee": 500,
    "ach_debit_return_fixed_fee": 500,
    "eft_basis_points": 25,
    "eft_fixed_fee": 35,
    "dispute_fixed_fee": 1500,
    "dispute_inquiry_fixed_fee": 1000,
    "ancillary_fixed_fee_primary": 32,
    "ancillary_fixed_fee_secondary": 80,
    "american_express_basis_points": 300,
    "mastercard_basis_points": 275,
    "visa_basis_points": 275,
    "tags": {
      "profile_name": "Premium Merchant Profile",
      "tier": "enterprise"
    }
  }'

Example Response

{
  "id": "FPxxxxxxxxxxxxxxxxxx",
  "created_at": "2025-12-10T15:30:00Z",
  "updated_at": "2025-12-10T15:30:00Z",
  "application": "APxxxxxxxxxxxxxxxxxx",
  "rounding_mode": "AGGREGATE",
  "basis_points": 275,
  "fixed_fee": 10,
  "charge_interchange": true,
  "card_cross_border_basis_points": 15,
  "card_cross_border_fixed_fee": 30,
  "ach_basis_points": 20,
  "ach_fixed_fee": 30,
  "ach_basis_points_fee_limit": 5000,
  "ach_credit_return_fixed_fee": 500,
  "ach_debit_return_fixed_fee": 500,
  "ach_notice_of_change_credit_fixed_fee": null,
  "ach_notice_of_change_debit_fixed_fee": null,
  "eft_basis_points": 25,
  "eft_fixed_fee": 35,
  "eft_basis_points_fee_limit": null,
  "eft_credit_return_fixed_fee": null,
  "eft_debit_return_fixed_fee": null,
  "dispute_fixed_fee": 1500,
  "dispute_inquiry_fixed_fee": 1000,
  "settlement_funding_transfer_ach_basis_points": null,
  "settlement_funding_transfer_ach_fixed_fee": null,
  "settlement_funding_transfer_ach_basis_points_fee_limit": null,
  "settlement_funding_transfer_eft_basis_points": null,
  "settlement_funding_transfer_eft_fixed_fee": null,
  "settlement_funding_transfer_eft_basis_points_fee_limit": null,
  "ancillary_fixed_fee_primary": 32,
  "ancillary_fixed_fee_secondary": 80,
  "american_express_basis_points": 300,
  "mastercard_basis_points": 275,
  "visa_basis_points": 275,
  "discover_basis_points": null,
  "jcb_basis_points": null,
  "diners_club_basis_points": null,
  "tags": {
    "profile_name": "Premium Merchant Profile",
    "tier": "enterprise"
  },
  "_links": {
    "self": {
      "href": "https://api.ahrvo.network/payments/na/fee_profiles/FPxxxxxxxxxxxxxxxxxx"
    },
    "application": {
      "href": "https://api.ahrvo.network/payments/na/applications/APxxxxxxxxxxxxxxxxxx"
    }
  }
}

Important Notes

Immediate Effect: Changes to fee profiles take effect immediately for all new transactions
All Fees in Cents: Fixed fees are specified in cents (e.g., 30 = $0.30)
Basis Points: 100 basis points = 1% (e.g., 275 = 2.75%)
Fee Limits: Caps the percentage-based fee at a maximum amount
Null Values: Unspecified fees will be null and won't be charged

Overview​

Resource Access​

Arguments​

General Card Fees​

Card Brand-Specific Fees​

ACH Fees​

EFT Fees​

Dispute Fees​

Settlement Funding Transfer Fees​

Ancillary Fees​

Other Options​

Example Request​

Example Response​

Important Notes​

API Documentation​