Fees

This document provides comprehensive information about P100 platform fees, crypto service charges, and guidelines for partners to collect their own fees transparently.

P100 Platform Fees

Standard fees charged by the P100 platform for transactions made by your end-users.

Negotiable Partner Fees

The fees listed in this document, including those for SEPA transfers, currency exchange, and crypto withdrawal services, represent our standard rates. As a P100 partner, these fees are subject to negotiation as part of your partnership agreement. Please contact your account manager to discuss your specific pricing structure.

Transaction Fees Overview

Service Type	Fee Structure	Details
SEPA Transfer	`0.1%` (min €1.00)	European bank transfers
Currency Exchange	`1.49%`	All currency conversion operations
Virtual Card	`€0.25/month`	Per active card, charged to partner EUR balance

SEPA Transfer Fee Examples:

Transfer €500 → Fee: €0.50 (0.1%) → €1.00 (minimum applied)

Transfer €2,000 → Fee: €2.00 (0.1%) → €2.00 (above minimum)

Currency Exchange Fee Examples:

Exchange €100 to DOGE (Rate: ~€0.182) → Fee: €1.49 (1.49%) → Receives ~541.26 DOGE

Exchange 0.003 BTC to EUR (Rate: ~€97,543.98) → Fee: ~€4.36 (1.49%) → Receives ~€288.27

🪙 Crypto Service Fees

Withdrawal Service Fees

These are fixed platform fees for processing crypto withdrawals, separate from dynamic blockchain network fees.

Cryptocurrency	Network	Service Fee
Bitcoin (BTC)	Bitcoin	`0.0003 BTC`
Ethereum (ETH)	Ethereum	`0.003 ETH`
Litecoin (LTC)	Litecoin	`0.002 LTC`
Dogecoin (DOGE)	Dogecoin	`5 DOGE`
Polygon (POL)	Polygon	`0.5 POL`
USDC	Ethereum	`10 USDC`
USDC	Polygon	`0.5 USDC`

_{*Approximate USD values for reference only}

Complete Crypto Withdrawal Fee Calculation

Crypto withdrawals involve two separate fees that must be calculated:

Step-by-Step Calculation Process

1. Get Service Fee & Limits

First, retrieve the partner's balances to find the fixed service fee (feeWithdrawal) and withdrawal limits for the specific cryptocurrency and network.

Response Structure:

The cryptoBalances array contains an object for each currency. You'll need to find the correct currency and then access the networkConfig for the specific network you intend to use.

{
  "fiatBalances": [
    {
      "id": "21be6d18-5d25-4ec4-b7fa-fe6923766caa",
      "amount": "3113.09",
      "name": "eur",
      "rate": 1,
      "iban": "LT593130019950000924",
      "status": "ACTIVE"
    }
  ],
  "cryptoBalances": [
    {
      "id": "4f8a5d10-be8a-4af7-9db8-132da2b303dc",
      "amount": "55.184524",
      "name": "usdc",
      "wallet": "0x02e3eb567058d5f58269a3bff3b9256c1adcc582",
      "rate": 0.860162,
      "networkConfig": {
        "ethereum": {
          "mainnet": false,
          "name": "sepolia",
          "withdrawal": {
            "feeWithdrawal": 10,
            "minWithdrawal": 1
          }
        },
        "polygon": {
          "mainnet": false,
          "name": "amoy",
          "withdrawal": {
            "feeWithdrawal": 0.5,
            "minWithdrawal": 2
          }
        }
      }
    }
  ]
}

2. Get Current Network Fee

Next, get the real-time blockchain network fee. This fee is dynamic and should be fetched just before the withdrawal.

Response:

{
  "networkFee": 0.286203
}

3. Calculate Maximum Withdrawable Amount

Finally, subtract both the service fee and the network fee from the user's total balance to determine the maximum amount they can withdraw.

Partner Fee Collection

As a P100 partner, you can implement your own fee structure in addition to standard platform fees.

Recommended Approach: Fund Transfer Method

The most transparent and compliant way to collect partner fees:

Benefits:

Clear separation between user and partner funds

Full transparency in transaction history

Regulatory compliance

Easy reconciliation and reporting

Process Flow:

Implementation Example

Scenario: Collect €5.00 partner fee from user transaction

Step 1: Transfer Fee to Partner Account

{
  "sourceExternalUserId": "user-123",
  "amount": "5.00",
  "currency": "EUR",
  "description": "Partner service fee",
  "reference": "fee_user123_20240115"
}

Step 2: Process Main Transaction

Fee Collection Best Practices

Practice	Description	Benefit
Pre-validation	Check user balance before fee collection	Prevents failed transactions
Clear descriptions	Use descriptive transaction references	Improves transparency
Atomic operations	Bundle fee + main transaction	Ensures consistency
Fee tracking	Log all partner fees separately	Simplifies accounting

Internal Transfers

Crypto Withdrawals

Currency Exchange

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P100 Platform Fees#

Transaction Fees Overview#

🪙 Crypto Service Fees#

Withdrawal Service Fees#

Complete Crypto Withdrawal Fee Calculation#

Step-by-Step Calculation Process#

Partner Fee Collection#

Recommended Approach: Fund Transfer Method#

Implementation Example#

Fee Collection Best Practices#

🔗 Related Documentation#

Need Help?#