Fee Structure

Understanding MakaPay's fee components and how to optimize your costs.

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Fee Components

Every payment may include up to three fee components:

1. Platform Fee (Percentage)

Based on your plan tier:

Plan	Fee Percentage
Free	1.0%
Starter	0.75%
Business	0.5%
Enterprise	0.25%
Member	0%

Example: $100 payment on Free plan = $1.00 platform fee

2. Processing Fee (Fixed)

A fixed fee of $0.10 USD per transaction.

This fee covers:

• Settlement recording on MakaChain

• Event emission for tracking

• Network infrastructure costs

3. Gas Fee (Variable)

Covers the blockchain transaction costs for settling payments.

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

Note: Gas fees vary based on network congestion.

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Total Fee Calculation

Total Fee = Platform Fee + Processing Fee + Gas Fee

Example: $100 USDT on Polygon (Free Plan)

Component	Amount
Platform Fee (1%)	$1.00
Processing Fee	$0.10
Gas Fee (est.)	$0.03
Total Fees	$1.13

Example: $100 USDT on MakaChain (Free Plan)

Component	Amount
Platform Fee (1%)	$1.00
Processing Fee	$0.10
Gas Fee	$0.00
Total Fees	$1.10

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Fee Modes

MakaPay provides two independent toggles that control fee behavior. Understanding these is crucial for optimizing your payment flow.

Gasless Mode (gasless)

Controls WHERE fees come from:

Setting	Fee Source	Gas Tank Required
gasless: false (default)	Your Gas Tank on MakaChain	Yes
gasless: true	Deducted from payment on-chain	No

When gasless: false:

• You must have USDT in your Gas Tank

• Platform fee + processing fee + gas fee deducted from Gas Tank

• Customer pays exact amount, merchant receives exact amount

When gasless: true:

• No Gas Tank balance required

• Fees are taken directly from the payment on the payment chain

• The smart contract deducts fees before sending to merchant

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Payer Covers Fee (payerCoversFee)

Controls WHO pays the fees and HOW they're collected:

Setting	Fee Handling	Customer Experience
payerCoversFee: false (default)	Fees reduce what merchant receives	Customer pays exact price shown
payerCoversFee: true	Fees added on top	Customer pays price + fees

Deep Dive: payerCoversFee: true

When enabled:

1. Gross Amount Calculation: grossAmount = requestedAmount + totalFees

2. Customer Sees: The total amount including fees

3. Customer Sends: grossAmount to payment address

4. On-Chain Deduction: Smart contract takes totalFees

5. Merchant Receives: Exactly requestedAmount

Example: $100 payment with $1.13 fees

requestedAmount: $100.00
totalFees:       $1.13
grossAmount:     $101.13  ← Customer sends this

Payment Wallet:
├── Receives:     $101.13
├── Deducts:      $1.13 (to fee recipient)
└── Forwards:     $100.00 (to merchant)

Deep Dive: payerCoversFee: false

When disabled (default):

1. Customer Sends: Exactly requestedAmount

2. Fee Handling: Depends on gasless setting

3. Merchant Receives: requestedAmount minus fees (if gasless) or full amount (if not gasless)

Example A: $100 payment, gasless: false

Customer sends:  $100.00
Gas Tank pays:   $1.13 (platform + processing + gas)
Merchant gets:   $100.00

Example B: $100 payment, gasless: true

Customer sends:  $100.00
On-chain deducts: $1.13
Merchant gets:   $98.87

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Important: payerCoversFee Requires gasless

When payerCoversFee: true, the system automatically sets gasless: true.

Why?

• payerCoversFee means fees are added on top and collected on-chain

• The smart contract must deduct fees from the payment

• This requires gasless mode (fees from payment chain)

• Gas Tank mode (gasless: false) assumes merchant absorbs fees

payerCoversFee: true + gasless: false → Auto-converted to gasless: true

Fee Mode Matrix

Gasless	Payer Covers	Customer Sends	You Receive	Your Gas Tank
OFF	OFF	$100	$100	Pays ~$1.13
OFF	ON	$101.13	$100	$0
ON	OFF	$100	$98.87	$0
ON	ON	$101.13	$100	$0

Recommended Configurations

E-commerce (you absorb fees):

{
  "gasless": false,
  "payerCoversFee": false
}

• You pay fees from Gas Tank

• Customer pays exact price

• Best customer experience

Invoicing (customer pays fees):

{
  "gasless": true,
  "payerCoversFee": true
}

• No Gas Tank needed

• Customer pays amount + fees

• Transparent fee handling

Budget-conscious (fees from payment):

{
  "gasless": true,
  "payerCoversFee": false
}

• No Gas Tank needed

• Fees deducted from payment

• You receive slightly less

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MakaChain Special Handling

MakaChain has unique fee characteristics:

Free Gas

• No gas fees for transactions

• Only platform fee + processing fee apply

Token Transfer Fee

• Every ERC20 transfer on MakaChain costs $0.10

• This is built into the token contract

• When payerCoversFee: true, accounts for 2 transfers = $0.20

Recommended for Low Fees

Use MakaChain for the lowest total fees:

• No gas costs

• Fast settlement (1-2 seconds)

• Instant finality

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Optimizing Costs

1. Use MakaChain

Accept payments on MakaChain to eliminate gas fees:

Network	Total Fee (Free Plan, $100)
Ethereum	~$2.00 - $6.00
Polygon	~$1.13
BSC	~$1.20
MakaChain	$1.10

2. Upgrade Your Plan

Higher tiers reduce platform fees significantly:

Plan	Fee on $10,000/month
Free (1%)	$100
Starter (0.75%)	$75
Business (0.5%)	$50
Enterprise (0.25%)	$25

3. Batch Similar Payments

For multiple small payments, consider:

• Aggregating into larger payments

• Fixed processing fee ($0.10) is more impactful on small amounts

4. Use Gasless Mode Strategically

• High-margin products: Absorb fees for better UX

• Low-margin products: Use gasless mode to preserve margins

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First 30 Free Transactions

New accounts receive a promotional period:

• Platform fee waived for first 30 transactions

• Processing fee ($0.10) still applies

• Gas fees still apply

• Valid for 90 days from account creation

What's Included

Fee Component	During Promo
Platform Fee	$0.00 (waived)
Processing Fee	$0.10
Gas Fee	Normal rates

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Fee Transparency

At Payment Creation

The dashboard and API show complete fee breakdown:

{
  "feeBreakdown": {
    "platformFee": "1.00",
    "processingFee": "0.10",
    "gasFee": "0.03",
    "totalFee": "1.13"
  }
}

In Transaction History

All completed payments show:

• Original amount

• Fees deducted

• Net amount received

• Transaction hash for verification

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Comparing to Alternatives

Traditional Crypto Payment Processors

Provider	Fee	Gas Handling
BitPay	1%	Included
Coinbase Commerce	1%	Included
MakaPay (Free)	1% + $0.10	Separate
MakaPay (Business)	0.5% + $0.10	Separate

Self-Managed Wallets

Approach	Monthly Cost (4 chains)
Own wallets per chain	~$95/month in idle gas
MakaPay Gas Tank	~$30/month

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FAQ

Why is there a processing fee?

The $0.10 processing fee covers:

• Settlement event recording on MakaChain

• Cross-chain coordination infrastructure

• 24/7 monitoring and settlement services

Can I avoid gas fees entirely?

Yes, by:

1. Accepting payments only on MakaChain (free gas)

2. Using gasless mode (fees from payment amount)

How is the gas fee calculated?

Gas fee = Estimated gas units x Current gas price x Native token price

We estimate conservatively to ensure settlement succeeds.

Do fees change?

• Platform fees are fixed based on your plan

• Processing fee ($0.10) is fixed

• Gas fees vary with network conditions

What about refunds?

Fees are non-refundable. When issuing refunds:

• Refund from your wallet directly

• Original fees are not returned

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Contact

Questions about fees or pricing?

• Email: [email protected]

• Dashboard: Use the support chat