Concepts
Fees
How Fianto's service fee is set, computed, paid and shown, and how gross and net appear in your reports.
Fianto's service fee is capped at 10 % of the price. It is added on top of the price, the payer pays it, and it goes to Fianto's treasury in the same transaction that pays you. You always receive the full price.
The service fee in one place
- Fianto's service fee, capped at 10 % of the price.
- Added on top: the payer signs for the price plus the fee; you receive the price.
- Paid by the payer, to Fianto's treasury, in the same transaction, and only when the fee is above zero.
- Fixed on the session when your server creates it.
- Rounded down in the payer's favour.
- Shown to the payer as a "Service fee" line on the checkout page.
How the fee is computed
The fee is a share of the price, counted in basis points (hundredths of a percent), so 10 % is 1,000 basis points. Fianto computes it on the price in USDC's smallest unit (0.000001 USDC) and drops any remainder, so a rounding difference always favours the payer. The payer pays the price plus the fee.
For example, with a placeholder fee of 2.5 % (not Fianto's fee) and a price of 12.345677 USDC:
| USDC | |
|---|---|
| Price (you receive) | 12.345677 |
| Service fee: 12.345677 × 2.5 % = 0.308641925, rounded down | 0.308641 |
| Total the payer signs for | 12.654318 |
In webhook payloads the same three numbers are amount, fee_amount and
total_amount, as strings in USDC's smallest unit: total_amount is amount plus fee_amount.
When the fee is fixed
The fee is fixed on a checkout session when your server creates it, so a later change never alters a session that is already open.
A subscription keeps its fee for its whole life. Each subscription plan on Solana is tied to the price, your receiving wallet, the fee and the treasury. When the fee changes, the next subscription session for that price gets a new plan; new subscribers pay the new fee, and existing subscribers keep paying the fee they subscribed with. Each renewal pulls the price to your wallet and, when the fee is above zero, the fee to Fianto's treasury. See the Subscriptions program.
What the payer sees
The checkout page's summary always has a "Service fee" line: "Subtotal", "Service fee" and "Total" for a payment; "Price", "Service fee" and "Due today" for a subscription. When the fee is zero, the line says "None". The payer also pays the Solana network fee in SOL and, to subscribe, account rent; neither is Fianto's fee. See What it costs.
Gross and net in your reports
The dashboard's Overview counts the succeeded payments of one month (UTC):
- Gross volume is what payers paid, the service fee included.
- Net to your wallet is what you received.
- Service fees is the total of the fees, with the note "The service fee is added on top and the payer pays it."
The payments export has the same split in its columns "Gross (what the customer paid)", "Fee" and "Net (what reached your wallet)", ticked by default, and an optional "Fee rate (basis points)". See Exports.
The fee is not taken out of your price
Your price is what you receive. Whenever the fee is above zero, the payer pays more than your price: the price plus the service fee.
See also
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Finality
Why Fianto shows the payer success at confirmed but marks an order paid and sends webhooks only at finalized, and what counts as proof of payment.
The Subscriptions program
The Solana program behind Fianto subscriptions, what it checks on every charge, how plans are created, and the payer's shared USDC approval.