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Overview

Balansas charges fees according to the fee schedule configured for your customer. A fee schedule defines whether a fee is flat, a percentage of the amount, or both, and which transaction types and currencies it applies to. When a transaction is processed, the applicable fee is calculated and recorded on the resulting transaction (fee_amount and fee_currency — see Transactions). Fees on EU Rails are always charged in the transaction currency (EUR, GBP, USD). The fee is debited from the same source account alongside the transaction amount.

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Preview a fee

POST /fees/preview returns the fee that would apply to a planned transaction. This lets you show an accurate estimate to your users before they confirm.
Fee previews are stateless. The call performs a calculation only — it does not create a transaction, reserve funds, or charge anything. You can call it as often as you like.
curl -X POST https://stagingapi.balansas.com/functions/v1/customer-api/fees/preview \
  -H "x-api-key: sk_test_xxxxxxxxxxxxxxxxxxxx" \
  -H "X-CSRF-Token: <64-char-hex>" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 10000.00,
    "currency": "EUR",
    "transactionType": "TRANSFER",
    "paymentScheme": "SCT"
  }'

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Request fields

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amount
number
required
Planned transaction amount. Must be greater than 0.
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currency
string
required
Transaction currency (EUR, GBP, USD).
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transactionType
string
required
The kind of operation you are pricing, e.g. TRANSFER, WITHDRAWAL, DEPOSIT, or EXCHANGE.
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paymentScheme
string
Optional scheme hint (e.g. SCT for EUR, FPS / CHAPS for GBP) when fees vary by scheme.

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Response fields

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feeAmount
number
The calculated fee.
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feeCurrency
string
Currency of the fee — always matches the transaction currency.
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feeType
string
FLAT, PERCENTAGE, or FLAT_PLUS_PERCENTAGE.
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feeScheduleName
string
Name of the fee schedule that was applied.
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totalDebit
number
Transaction amount plus fee — what will be debited from your account.
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breakdown
object
Detailed breakdown showing the flat and percentage components (flatFee, percentageFee, percentageRate).
A preview reflects the fee schedule at the moment of the call. The fee charged at execution time may differ slightly if the schedule is updated in between. Treat the preview as an estimate, not a guarantee.

Preview fees for a planned transaction

Full contract and request playground.