Commission Resource

The Commission Resource represents additional fees or charges associated with a payment. Commissions can be charged to the payer (outgoing) or deducted from the beneficiary (incoming).

Quick Start

Learn about commissions in Payment Concepts first.

Commission Object

Structure

{
  "in_commission": 300,      // 3 EUR from beneficiary
  "out_commission": 500,     // 5 EUR from payer
  "in_commission_percent": null,
  "out_commission_percent": null
}

View Fields Reference

Field	Type	Description
`in_commission`	integer	Amount deducted from beneficiary (cents)
`out_commission`	integer	Amount charged to payer (cents)
`in_commission_percent`	decimal	Percentage deducted from beneficiary
`out_commission_percent`	decimal	Percentage charged to payer

Commission Types

View Commission Types

Outgoing Commission

Fee paid by payer (added to payment amount):

{
  "payments": [{
    "description": "Service payment",
    "price": 10000,  // 100 EUR to beneficiary
    "commission": {
      "out_commission": 500  // + 5 EUR fee from payer
    }
  }]
}

Result:

Payer pays: 105 EUR (100 + 5)
Beneficiary receives: 100 EUR
Total commission: 5 EUR

Incoming Commission

Fee deducted from beneficiary (subtracted from payment):

{
  "payments": [{
    "description": "Service payment",
    "price": 10000,  // 100 EUR payment
    "commission": {
      "in_commission": 300  // - 3 EUR from beneficiary
    }
  }]
}

Result:

Payer pays: 100 EUR
Beneficiary receives: 97 EUR (100 - 3)
Total commission: 3 EUR

Both Commissions

Charge both payer and beneficiary:

{
  "payments": [{
    "description": "Marketplace transaction",
    "price": 10000,  // 100 EUR
    "commission": {
      "out_commission": 500,   // + 5 EUR from payer
      "in_commission": 300     // - 3 EUR from beneficiary
    }
  }]
}

Result:

Payer pays: 105 EUR (100 + 5)
Beneficiary receives: 97 EUR (100 - 3)
Total commission: 8 EUR (5 + 3)

Fixed vs Percentage

View Commission Methods

Fixed Amount

Exact commission amount in cents:

{
  "commission": {
    "out_commission": 250  // Always 2.50 EUR
  }
}

Use when: Commission is always the same regardless of payment amount.

Percentage

Commission calculated as percentage:

{
  "commission": {
    "out_commission_percent": 2.5  // 2.5% of payment
  }
}

For 100 EUR payment: 100 × 0.025 = 2.50 EUR commission

Use when: Commission scales with payment amount.

Mixed

Combine fixed and percentage:

{
  "commission": {
    "out_commission": 50,           // 0.50 EUR fixed
    "out_commission_percent": 1.5   // + 1.5% of payment
  }
}

For 100 EUR payment: 0.50 + (100 × 0.015) = 2.00 EUR total commission

Common Use Cases

View Real-World Use Cases

Use Case 1: Processing Fee

Charge payer for payment processing:

{
  "payments": [{
    "description": "Order #1234",
    "price": 4999,
    "commission": {
      "out_commission": 99  // 0.99 EUR processing fee
    }
  }]
}

Payer sees: "Total: 50.98 EUR (including 0.99 EUR processing fee)"

Use Case 2: Platform Fee

Marketplace takes cut from seller:

{
  "payments": [{
    "description": "Product sale",
    "price": 10000,
    "beneficiary_id": sellerWallet,
    "commission": {
      "in_commission_percent": 10  // 10% platform fee
    }
  }]
}

Result:

Buyer pays: 100 EUR
Seller receives: 90 EUR
Platform keeps: 10 EUR

Use Case 3: Service Charge

Both parties pay fees:

{
  "payments": [{
    "description": "Freelance payment",
    "price": 50000,
    "commission": {
      "out_commission_percent": 2.9,  // 2.9% buyer fee
      "in_commission_percent": 5.0    // 5.0% seller fee
    }
  }]
}

Result:

Buyer pays: 501.45 EUR (500 + 1.45)
Seller receives: 475 EUR (500 - 25)
Total fees: 26.45 EUR

Use Case 4: Tiered Commission

Different rates for different amounts:

const getCommission = (amount) => {
  if (amount < 1000) {
    return { out_commission: 50 };  // 0.50 EUR flat
  } else if (amount < 5000) {
    return { out_commission_percent: 1.0 };  // 1%
  } else {
    return { out_commission_percent: 0.5 };  // 0.5% for large
  }
};

Who Gets the Commission?

Outgoing Commission

Goes to payment beneficiary (same wallet receiving the payment):

{
  "payments": [{
    "price": 10000,
    "beneficiary_id": 11111,  // Gets 100 EUR + 5 EUR commission
    "commission": {
      "out_commission": 500    // Additional 5 EUR
    }
  }]
}

Beneficiary receives: 105 EUR total

Incoming Commission

Taken from beneficiary, typically goes to project owner (you):

{
  "payments": [{
    "price": 10000,
    "beneficiary_id": 11111,  // Receives 97 EUR
    "commission": {
      "in_commission": 300    // Project gets 3 EUR
    }
  }]
}

Beneficiary receives: 97 EUR
Project owner receives: 3 EUR

Advanced Topics

Calculations

Manual Calculation

const payment = {
  price: 10000,  // 100.00 EUR
  commission: {
    out_commission: 500,           // + 5.00 EUR
    in_commission_percent: 3       // - 3.00 EUR
  }
};

// What payer pays
const payerAmount = payment.price + (payment.commission.out_commission || 0);
// 10000 + 500 = 10500 (105.00 EUR)

// What beneficiary receives
const beneficiaryAmount = payment.price - 
  (payment.commission.in_commission || 0) -
  (payment.price * (payment.commission.in_commission_percent || 0) / 100);
// 10000 - 0 - (10000 * 0.03) = 9700 (97.00 EUR)

// Total commission
const totalCommission = payerAmount - beneficiaryAmount;
// 10500 - 9700 = 800 (8.00 EUR)

Helper Function

const calculateCommission = (price, commission) => {
  const outFixed = commission.out_commission || 0;
  const outPercent = (commission.out_commission_percent || 0) / 100;
  const inFixed = commission.in_commission || 0;
  const inPercent = (commission.in_commission_percent || 0) / 100;
  
  const payerPays = price + outFixed + (price * outPercent);
  const beneficiaryGets = price - inFixed - (price * inPercent);
  const totalFee = payerPays - beneficiaryGets;
  
  return {
    payerPays,
    beneficiaryGets,
    totalFee,
    breakdown: {
      basePrice: price,
      outgoingFee: outFixed + (price * outPercent),
      incomingFee: inFixed + (price * inPercent)
    }
  };
};

Display to Users

Clear Communication

Show commission breakdown:

// Payment summary
const summary = {
  subtotal: "100.00 EUR",
  processingFee: "+ 2.50 EUR",
  total: "102.50 EUR"
};

// Or for seller
const sellerSummary = {
  salePrice: "100.00 EUR",
  platformFee: "- 5.00 EUR (5%)",
  youReceive: "95.00 EUR"
};

UI Example

<div className="payment-summary">
  <div className="line-item">
    <span>Product price</span>
    <span>€100.00</span>
  </div>
  <div className="line-item fee">
    <span>Service fee (2.5%)</span>
    <span>€2.50</span>
  </div>
  <div className="line-item total">
    <span>Total to pay</span>
    <span>€102.50</span>
  </div>
</div>

Common Patterns

Pattern 1: E-Commerce Processing Fee

{
  "payments": [{
    "description": "Order #12345",
    "items": [
      { "title": "Product A", "price": 2999, "quantity": 1 },
      { "title": "Product B", "price": 1999, "quantity": 2 }
    ],
    "commission": {
      "out_commission": 99  // 0.99 EUR processing fee
    }
  }]
}

Pattern 2: Marketplace Commission

{
  "payments": [{
    "description": "Product sale - Seller receives 85%",
    "price": 10000,
    "beneficiary_id": sellerWallet,
    "commission": {
      "in_commission_percent": 15  // 15% marketplace fee
    }
  }]
}

Pattern 3: Dynamic Fee Based on Amount

const calculateFee = (amount) => {
  if (amount < 1000) {
    return { out_commission: 50 };  // Under 10 EUR: 0.50 EUR flat
  }
  if (amount < 10000) {
    return { out_commission_percent: 2.0 };  // 10-100 EUR: 2%
  }
  return { out_commission_percent: 1.5 };  // Over 100 EUR: 1.5%
};

Validation

Validate Commission

const validateCommission = (payment) => {
  const commission = payment.commission || {};
  
  // Check commission not negative
  if (commission.out_commission < 0 || commission.in_commission < 0) {
    throw new Error('Commission cannot be negative');
  }
  
  // Check percentage reasonable
  if (commission.out_commission_percent > 100 || 
      commission.in_commission_percent > 100) {
    throw new Error('Commission percentage cannot exceed 100%');
  }
  
  // Check incoming commission doesn't exceed payment
  const inTotal = (commission.in_commission || 0) + 
    (payment.price * (commission.in_commission_percent || 0) / 100);
  
  if (inTotal >= payment.price) {
    throw new Error('Incoming commission cannot exceed payment amount');
  }
  
  return true;
};

API Reference

Commission is set as part of payment creation:

POST /rest/v1/transaction
{
  "payments": [{
    "price": 10000,
    "commission": {
      "out_commission": 500,
      "in_commission": 300
    }
  }]
}

Full API reference: Wallet API Endpoints

What's Next?

Learn about related resources:

Payment Resource - Payment details
Transaction Resource - Transaction management
Samples & Examples - See commissions in action

Need Help?

Questions? → tech_support@paysera.com
Concepts → Payment Concepts
Examples → Code Samples

Quick Reference

Outgoing: Payer pays extra (added to total)
Incoming: Beneficiary receives less (deducted from payment)
Both: Can combine for marketplace scenarios
Display: Always show commission clearly to users

Commission Object​

Commission Types​

Fixed vs Percentage​

Common Use Cases​

Who Gets the Commission?​

Advanced Topics​

API Reference​

What's Next?​

Need Help?​

Commission Object

Commission Types

Fixed vs Percentage

Common Use Cases

Who Gets the Commission?

Advanced Topics

API Reference

What's Next?

Need Help?