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Z2Pay fees have two components that are added together: a percentage (the well-known MDR) and a fixed amount in cents. Each payment method (Pix, boleto, card by installment) has its own fee, along with fees for withdrawals, refunds, and chargebacks.
This page covers the concept and the query endpoint reference. To understand how the platform fee factors into value splitting, see Split.

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How a fee is composed

Every fee is described by two fields:
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percentage
number
The fee percentage. Example: 3.99 means 3.99% of the transaction amount. Use 0 when there is no percentage component.
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fixed
number
The fixed component in cents (integer). Example: 350 means R$ 3.50. Use 0 when there is no fixed component.
The two components are added together. A card fee with percentage: 3.99 and fixed: 0 charges only 3.99% of the amount. A boleto fee with percentage: 0 and fixed: 350 charges a flat R$ 3.50 per boleto, regardless of the transaction amount.
Monetary values are always integers in cents. fixed: 350 = R3.50,neverR 3.50, never R 350.00. See Conventions.

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Resolved fees per account

The table returned by the API delivers the effective value already resolved for your account. You get the final fee that applies to your transactions — without needing to know where it comes from or combine any rules yourself.
  • When a specific fee is not configured, it defaults to 0 (both percentage and fixed).
  • The fee is per currency (ISO 4217: BRL, USD…). Without the currency parameter, the API uses the default currency configured for your account.

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The platform fee in splits

When you use Split to divide a transaction amount among recipients, you can inject a platform fee as a split item. In the split configuration payload, each item has a type field:
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type
string
The split item type. Possible values: sale (sale — default), interest (interest) and platform_fee (platform fee).
An item with type: "platform_fee" represents the portion that goes to the platform account, separate from the recipients’ sale portions. This is what allows the platform to retain its margin on each split transaction.
The fees from the GET /fees endpoint are the PSP fees charged to your account (Pix, boleto, card, withdrawal, refund, chargeback). The platform_fee in a split is a division that you define within a transaction. These are distinct concepts — do not confuse them. The complete splitting mechanics, including the rules for processingFee and liable, are covered in Split.

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Endpoints

MethodRouteDescription
GET/feesReturns the resolved fee table for your account

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Retrieve the fee table

GET /fees Returns the resolved fees for your account: Pix, boleto, credit card from 1 to 12 installments, withdrawal, refund, and chargeback (fee + penalty). Each fee includes percentage and fixed (in cents). Authentication uses the x-api-key header (see Authentication).

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Query parameters

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currency
string
The currency code in ISO 4217, exactly 3 letters (e.g. BRL, USD). Automatically converted to uppercase. Optional — without it, the API uses the default currency configured for your account.

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Request example

curl https://api.sandbox.z2pay.com/fees \
  -H "x-api-key: SUA_CHAVE_DE_SANDBOX"
Filtering by currency: 
curl "https://api.sandbox.z2pay.com/fees?currency=BRL" \
  -H "x-api-key: SUA_CHAVE_DE_SANDBOX"

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Response 200 OK

{
  "currency": "BRL",
  "pix": { "percentage": 0.99, "fixed": 0 },
  "boleto": { "percentage": 0, "fixed": 350 },
  "creditCard": [
    { "installments": 1, "percentage": 3.99, "fixed": 0 },
    { "installments": 2, "percentage": 4.49, "fixed": 0 },
    { "installments": 3, "percentage": 4.99, "fixed": 0 },
    { "installments": 4, "percentage": 5.49, "fixed": 0 },
    { "installments": 5, "percentage": 5.99, "fixed": 0 },
    { "installments": 6, "percentage": 6.49, "fixed": 0 },
    { "installments": 7, "percentage": 6.69, "fixed": 0 },
    { "installments": 8, "percentage": 6.79, "fixed": 0 },
    { "installments": 9, "percentage": 6.89, "fixed": 0 },
    { "installments": 10, "percentage": 6.99, "fixed": 0 },
    { "installments": 11, "percentage": 6.99, "fixed": 0 },
    { "installments": 12, "percentage": 6.99, "fixed": 0 }
  ],
  "withdrawal": { "percentage": 0, "fixed": 367 },
  "refund": { "percentage": 0, "fixed": 0 },
  "chargeback": {
    "fee": { "percentage": 0, "fixed": 0 },
    "penalty": { "percentage": 0, "fixed": 0 }
  }
}
The numbers above are examples. The actual fees for your account may differ — the response always reflects what is configured for your company.

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Response fields

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currency
string
The currency of the returned fees (ISO 4217). If you did not pass currency in the query, this is the account’s default currency.
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pix
object
Fee for the Pix payment method. Object with percentage and fixed.
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boleto
object
Fee for the boleto payment method. Object with percentage and fixed.
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creditCard
array
Array with one entry per installment count, from 1 to 12 (always 12 items). Each entry includes installments (number of installments), percentage, and fixed.
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withdrawal
object
Withdrawal/payout fee. Object with percentage and fixed.
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refund
object
Refund fee. Object with percentage and fixed.
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chargeback
object
Chargeback-related fees. Contains two sub-objects: fee (chargeback fee) and penalty (chargeback penalty), each with percentage and fixed.
Unconfigured fees come back with percentage: 0 and fixed: 0. In the example above, refund and chargeback are zeroed out — meaning your account has no charges configured for those cases.

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Errors

The endpoint returns 200 OK on the happy path. Authentication errors (invalid or missing key) follow the standard API error format. See Errors for the list of status codes and the response format.

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See also

Reference: Fees

Technical details of the fees endpoint in the Core API.

Split

How to split amounts among recipients and inject the platform fee.

Values overview

How Z2Pay calculates fees, splits, and settlement.

Settlement

When and how net amounts land in your wallet.