Charge configuration defines how Trustap fees are applied to payments (buyer flat and percentage fees) and payouts (seller flat and percentage fees).
Using the Trustap API, you can define multiple charge configurations to control the following.
- Who pays the transaction processing fees (buyer, seller, or both)
- The payment method (card or bank transfer)
- The fee structure (flat fee, percentage, or a combination)
- When different configurations apply
The Trustap API supports multiple charge configurations that, once set up, can be dynamically applied to your transactions.
Trustap configures and manages your charge configurations for you. You can set multiple configurations.
Contact your Trustap integration specialist with the following details.
| Field name | Type | Description | Example |
|---|---|---|---|
| Config ID | int | The ID of the charge configuration. This is the ID you’ll use as charge_config when referring to this config | 1 |
| Currency | string | The currency of your transactions. The Trustap API can use this to automatically select a charge_config | eur |
| Buyer flat fee | int | A fixed fee (in your currency’s smallest unit) charged to the buyer | 50 |
| Buyer percentage fee | int | The percentage fee charged to the buyer, expressed as a decimal | 2 |
| Seller flat fee | int | A fixed fee (in your currency’s smallest unit) charged to the seller | 30 |
| Seller percentage fee | int | The percentage fee charged to the seller, expressed as a decimal | 3 |
| Charge config threshold | int | The threshold amount used to determine when this charge configuration applies. For example, if you want the configuration to only be applied to transactions with a value above £100. Default value is 0. The Trustap API can use this to automatically select a charge_config | 10000 |
| Payment Method | string | The method of payment for your transactions. Can be card or bank_transfer. The Trustap API can use this to automatically select a charge_config | bank_transfer |
For multiple charge configurations, send a full set of details for each configuration.
If you want to use different fee structures depending on the payment method and transaction value, you can define separate charge configurations with different thresholds.
| Config ID | Currency | Buyer flat fee | Buyer percentage fee | Seller flat fee | Seller percentage fee | Charge config threshold | Payment method |
|---|---|---|---|---|---|---|---|
| 1 | eur | 0 | 2 | 0 | 1 | 0 | card |
| 1 | eur | 0 | 1 | 0 | 0.5 | 10000 | bank_transfer |
Explanation:
- The Trustap API checks the value of the transaction against the charge config threshold and automatically selects the correct charge config.
- Card payments apply standard fees for all transactions below €100.
- Bank transfers apply reduced fees for transactions above €100
| Config ID | Currency | Buyer flat fee | Buyer percentage fee | Seller flat fee | Seller percentage fee | Charge config threshold | Payment method |
|---|---|---|---|---|---|---|---|
| 1 | eur | 0 | 3 | 0 | 2 | 0 | card |
| 2 | eur | 0 | 2 | 0 | 1.5 | 0 | card |
| 3 | eur | 0 | 1 | 0 | 1 | 0 | card |
Explanation:
- Each membership tier has its own configuration.
- Use the correct Config ID when creating a transaction based on the user’s membership level.
| Config ID | Currency | Buyer flat fee | Buyer percentage fee | Seller flat fee | Seller percentage fee | Charge config threshold | Payment method |
|---|---|---|---|---|---|---|---|
| 1 | eur | 0 | 0 | 0 | 3 | 0 | card |
| 1 | eur | 0 | 1.5 | 0 | 1.5 | 5000 | card |
Explanation:
- The Trustap API checks the value of the transaction against the charge config threshold and automatically selects the correct charge config.
- For low-value transactions (below €50), sellers cover all fees.
- For higher-value transactions, both buyer and seller share the cost.
| Config ID | Currency | Buyer flat fee | Buyer percentage fee | Seller flat fee | Seller percentage fee | Charge config threshold | Payment method |
|---|---|---|---|---|---|---|---|
| 1 | eur | 0 | 3 | 0 | 3 | 0 | card |
| 1 | gbp | 0 | 1.5 | 0 | 1.5 | 0 | card |
Explanation:
- The Trustap API checks the currency of the transaction and automatically selects the correct charge config.
- Euro transactions have a higher charge than British pound.
| Config ID | Currency | Buyer flat fee | Buyer percentage fee | Seller flat fee | Seller percentage fee | Charge config threshold | Payment method |
|---|---|---|---|---|---|---|---|
| 1 | eur | 0 | 2 | 0 | 0 | 0 | bank_transfer |
| 1 | gbp | 0 | 6 | 0 | 0 | 0 | card |
Explanation:
- The Trustap API checks the payment method of the transaction and automatically selects the correct charge config.
- Transactions with a bank transfer have a lower charge than card payments.
See our pricing guide for more information on how pricing works with the Trustap API.
You can view charges in two places.
- Trustap payment screen showing the buyer fee as Buyer Protection Fee.
- Trustap seller transaction page as Buyer Fees and Seller Fees.
