Transaction fees are charged on each payment processed through Swipe Aras. They are deducted at the time of settlement as part of the split calculation.
When a payment is captured, Swipe Aras applies a split rule that determines how the transaction amount is divided among:
Adyen (interchange and processing)
Swipe Aras (platform fee and markup)
Your reseller (if applicable)
Your account (your net proceeds)
The exact split depends on the pricing model configured for your account.
Model | How It Works |
|---|---|
Flat rate | A fixed percentage or cent amount per transaction |
Cost-plus (interchange-plus tiered) | Interchange at cost + a fixed platform markup |
Revenue share | A percentage of transaction revenue is shared with your reseller |
Your specific rates are defined in your agreement. Contact your account manager for your rate schedule.
Split rules are matched on four dimensions:
Payment method (card, ACH, etc.)
Shopper interaction (card-present vs. card-not-present)
Funding source (debit, credit, prepaid)
Currency
Different transaction types may result in different fee rates.
Transaction fees are recorded in the Payment Ledger and visible in your transaction detail and monthly statement.
