# Facilitator Fees Overview

Facilitator fees are no longer generally available. This document provides historical information for legacy customers. See the [fee plans](https://docs.moov.io/guides/billing/plan-options/) guide for current options. Facilitator fees will be fully deprecated in the future.

Under this structure, Moov charges your platform a processing fee for each successful payment, which you can pass on to your customers on a per-transfer basis. Failed transfers and additional items that are not supported in this flow are invoiced to your account on a monthly basis.

When you set a facilitator fee, the fee amount is deducted from the transfer, so the destination receives the net amount. Your wallet is credited with the fee once the transfer completes. No fees are incurred if a transfer fails.

Moov supports two fee structures:

- **Total**: A flat percentage fee charged to the destination, for example, 4.00% per transfer
- **Markup**: An amount added on top of Moov's fee, for example, Interchange + 1.90% & $0.10

When creating transfers, specify your fee using either `total`/`totalDecimal` or `markup`/`markupDecimal`. The decimal versions support up to nine decimal places. Only one of `total` or `totalDecimal`, or `markup` or `markupDecimal` can be used.

## Guidelines

Below is a summary of general guidelines for facilitator fees:

- To pass through exact processing costs with no markup, set `markup` to `0`
- Anything above your cost must be calculated in your system and the markup must be sent to Moov as a dollar amount in the transfer
- Your fee cannot exceed the maximum limits:
  - For **total** fees: Must be less than the transfer amount
  - For **markup** fees: Depends on transfer type:
    - `card-acquiring`: Total (markup + Moov fees + estimated interchange) must be less than transfer amount
    - `rtp` or `push-to-card`: Total (markup + Moov fees) must be less than transfer amount
- If no facilitator fee is specified, your wallet is debited to cover your processing fees.

## Charges & Reconciliation

Card payments include Moov fees with interchange and other costs finalized at completion. Fee breakdowns appear in `moovFeeDetails` on each transfer:

- `interchange`: Determined at the time of settlement and charged upon completion for Visa, Mastercard, and Discover
- `discount`: Determined at the time of settlement and charged upon completion for American Express.
- `cardScheme`: Network fees charged at completion
- `moovProcessing`: Your agreed-upon processing rate with Moov

Your platform receives the facilitator fee and is debited the `moovProcessing` fee, visible in the `facilitator-fee` transaction in your wallet.