# Fee Plans

MakaPay uses a simple fee model based on how a merchant signs up. There are no paid subscription tiers.

***

## Fee Model

| Merchant Type               | Platform Fee              | Network Fee | How Assigned                       |
| --------------------------- | ------------------------- | ----------- | ---------------------------------- |
| **Direct merchant**         | 1%                        | $0.10       | Signs up without a referral code   |
| **Agent-referred merchant** | 0.25% base + agent markup | $0.10       | Signs up via agent's referral code |
| **Member**                  | 0%                        | $0          | Admin-assigned only                |

### Direct Merchants

Merchants who sign up without a referral code pay a flat **1% platform fee + $0.10 network fee** per transaction. This is the simplest option with no intermediary.

### Agent-Referred Merchants

Merchants referred by an agent pay:

* **0.25% base fee** (goes to MakaPay)
* **Agent markup** of 0.25%, 0.50%, or 0.75% (set by the referring agent)
* **$0.10 network fee**

The total fee ranges from 0.50% to 1.00% plus $0.10, depending on the agent's markup.

### Member Plan

* **0% fees** on all transactions (platform, processing, and gas are all waived)
* Admin-assigned only, not available for purchase
* Reserved for special partners and early adopters

***

## Fee Examples

### $1,000 Payment on Polygon

| Merchant Type                 | Platform Fee | Network Fee | Gas Fee | Total Fees | Merchant Receives |
| ----------------------------- | ------------ | ----------- | ------- | ---------- | ----------------- |
| Direct (1%)                   | $10.00       | $0.10       | \~$0.03 | $10.13     | $989.87           |
| Agent-referred (0.50% markup) | $7.50        | $0.10       | \~$0.03 | $7.63      | $992.37           |
| Agent-referred (0.25% markup) | $5.00        | $0.10       | \~$0.03 | $5.13      | $994.87           |
| Member (0%)                   | $0.00        | $0.00       | $0.00   | $0.00      | $1,000.00         |

***

## Promotions

### First 30 Free Transactions

All new accounts receive **30 transactions with no platform fee**. This promotion is permanent for all users.

* Platform fee waived for first 30 completed transactions
* Network fee ($0.10) still applies
* Gas fees still apply
* Cannot be combined with Member plan (already 0%)

***

## FAQ

### Are there paid subscription plans?

No. MakaPay does not offer paid subscription tiers (Free, Starter, Business, Enterprise plans have been eliminated). Your fee is determined by how you signed up: directly (1%) or via an agent referral (0.25% + markup).

### How do I get a lower fee?

Sign up through an agent who sets a low markup. The minimum total fee for agent-referred merchants is 0.50% + $0.10 (with a 0.25% markup).

### Can I switch from direct to agent-referred?

Contact support to discuss changing your fee structure.

### What is the Member plan?

The Member plan is a special 0% fee tier assigned by MakaPay admins to select partners. It is not available for purchase or self-service signup.

### Do gas fees still apply?

Yes, gas fees apply to all merchants except Members. Gas fees vary by network:

| Network   | Typical Gas Cost |
| --------- | ---------------- |
| MakaChain | $0.00 (free gas) |
| Polygon   | $0.01 - $0.05    |
| BSC       | $0.05 - $0.15    |
| Ethereum  | $0.50 - $5.00    |

Use MakaChain to minimize total fees.


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