---
title: BLAZEPAY | Understanding Fees
description: This article will help you understand the types of fees generated each time BLAZEPAY is used, and how they relate to the fees you will see in your BLAZEPAY Admin Portal.
---

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# BLAZEPAY | Understanding Fees

## This article will help you understand the types of fees generated each time BLAZEPAY is used, and how they relate to the fees you will see in your BLAZEPAY Admin Portal.

Let's go over the different types of fees that exist when utilizing BLAZEPAY as your payment processing method:

### Merchant fees

- Merchant fees are the fees the merchant/retailer is charged to use the payment service. They come in 3 types: 
    - **Transactional Fees**

Only 1 type of transactional fee is used at a time, refer back to your agreement to understand which model your shop follows

 

- - - Percentage + flat change of each transaction 
                  - Example: 2.4% + $0.15
          - Basis Points + flat change of each transaction 
                  - Example: 20 basis points + $0.15
    - **Refund / Chargeback Fees** 
          - Flat $ amount per occurrence 
                  - Example: $25 for each chargeback occurrence
    - **Monthly Fees** 
          - Monthly flat $ fee per terminal
          - Monthly flat $ admin fee

### Interac fees

- Interac fees are additional fees charged **per transaction** when the payment is done via Interac. These fees are added on top of the Merchant Fees listed above, when applicable. 
    - Example: Transaction fee was 2.4% + $0.15 but it was an Interac payment, so an additional $0.06 is also charged to the merchant
- Tap/Flash fees 
    - Interac transactions that occur via Flash (Card Tap / contactless) incur an additional fee of $0.035 
          - Example: Transaction fee was 2.4% + $0.15 but it was an Interac payment, so an additional $0.06, and it was also a tap/flash through Interac, so another additional $0.035 also charged to the merchant/retailer

### Interchange fees

- An Interchange fee is a fee that is generated when running a card transaction. Every time a card is run, the consumer’s bank charges the merchant an interchange fee. This fee varies depending on the type of card run and the bank that issued the card. 
    - On average, interchange fees are around 0.3-0.4% of the transaction amount in Europe and 2% in the US. Estimation is not required in the BP Admin portal, as it lists interchange fees charged per transaction.
    - Additional information from Adyen about interchange fees can be found [**HERE**](https://www.adyen.com/knowledge-hub/interchange-fees-explained)

Now that we understand the types of fees at play, let's correlate those to real transaction examples in the BLAZEPAY Admin Portal:

For these examples, we will be navigating to **FINANCE \> ACCOUNT ACTIVITY** to take a look at some details and transaction categories.

![Untitled (5)-1](https://help.blaze.me/hs-fs/hubfs/Untitled%20(5)-1.png?width=688&height=344&name=Untitled%20(5)-1.png)

On this page you will be able to see the overview of account activity daily for your merchant location. You can click into any of these to see a breakdown per transaction, and we will do that lower in this article, but first lets cover what you can see here:

1. Capture Date - this is the date all of the transactions within were completed
2. Merchant Account - this is blank in the screenshot above but on your page will include the name of your shop for each line.
3. Credits - this is the total dollar amount of incoming payments collected on that date
4. Number of Credits - this is the total count of payments collected that make up the total dollar amount from the previous column
5. Debits - this is the total dollar amount of outgoing fees paid on that date
6. Number of Debits - this is the total count of fees paid that make up the total dollar amount from the previous column
7. Net - this is your total credit value minus your total debit value. Think of this as your remainder after fees paid.

Next lets click into one of these dates and breakdown what we can find there, aswell as how to understand how each line can play into the fees we spoke about above.

![image-Jul-25-2024-01-06-35-1173-PM](https://help.blaze.me/hs-fs/hubfs/image-Jul-25-2024-01-06-35-1173-PM.png?width=688&height=343&name=image-Jul-25-2024-01-06-35-1173-PM.png)

On this page you can find the following details:

1. Transaction Date - this is the date the transaction occured
2. Value Date - this is the projected date of deposit for that transaction
3. Merchant account - this is blank in the screenshot above but on your page will include the name of your shop for each line.
4. Amount - this is the dollar amount for the activity. 
     1. Tips, Payments, and Commissions will be positive (money coming in)
     2. Processing Fees will be negative (money going out)
5. Category - this is the category of the activity. This defines what type of action this relates to.
6. Transaction ID - this is the ID for the transaction that occurred. You will notice in the above screenshot that there are multiple lines with the same exact ID. This is because each transaction has multiple lines of activity: 
     1. The payment itself
     2. The tip (if one was given)
     3. The processing fees

***NOTE:*** The Processing Fee category is one line because it encompasses ALL of the fee types listed above in a single sum. So for example if the transaction was an interac tap payment, the Processing Fee line will include the percentage + flat fee of the transaction, the interac flat fee, and the tap flat fee.

 

 

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