# Fees (/concepts/fees)

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 [#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 [#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](/concepts/subscriptions-program).

## What the payer sees [#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](/payers/what-it-costs).

## Gross and net in your reports [#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](/merchants/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 [#see-also]

- [How money moves](/get-started/how-money-moves): What the payer signs and where the USDC goes.

- [What it costs](/payers/what-it-costs): Everything a payer pays, in their words.

- [Orders and payments](/merchants/orders-and-payments): The fee line on each order.

- [Exports](/merchants/exports): Gross, fee and net in CSV.