Fees and Invoices

Each transaction can include a transaction fee, banking fee, and network fee. Your fee profile controls what the customer pays. Your invoicing profile controls what you owe MoonPay Enterprise.

What to Show Your Customer

Show the customer only the fees deducted from their money. Fees settled later are between you and MoonPay Enterprise.

Before payment: market Autoramp

When your customer opens their virtual account, show what a deposit costs on each rail.

Show	Source
Deposit details for each rail	`deposit_rails` on `GET /api/autoramps/{id}`
Banking fee for each rail	`banking_fee_configs` on the Autoramp’s fee profile, entries with `fiat_transfer_type` set to `PayIn`
Transaction fee	`fee.transaction_fee` on `GET /api/autoramps/quotes-preview`
Network fee	`fee.network_fee` on the same preview
Estimated rate	`rate` on the same preview

A USD virtual account accepts several rails, and each rail can carry a different banking fee. Read the Autoramp with GET /api/autoramps/{id} to get its fee_profile_id and rails:

Example: GET /api/autoramps/{id}

Autoramp

{
  "id": "0199c4a2-7e31-7b2c-9f4d-3a8e5c1d2b60",
  "status": "Approved",
  "fee_profile_id": "0199c3f0-1b2a-7c4d-8e5f-6a7b8c9d0e1f",
  "deposit_rails": [
    {
      "type": "ACH",
      "routing_number": "123456789",
      "account_number": "987654321",
      "bank_name": "Example Bank",
      "bank_address": "100 Example Street, New York, NY 10001, US",
      "recipient_name": "Alan Turing",
      "recipient_address": "123 Main Street, New York, NY 10001, US"
    },
    {
      "type": "Wire",
      "routing_number": "123456789",
      "account_number": "987654321",
      "bank_name": "Example Bank",
      "bank_address": "100 Example Street, New York, NY 10001, US",
      "recipient_name": "Alan Turing",
      "recipient_address": "123 Main Street, New York, NY 10001, US"
    }
  ]
}

Then read that fee profile with GET /api/fee-profiles?fee_profile_ids={fee_profile_id} for the banking fee on each incoming rail:

Example: GET /api/fee-profiles

Fee profile

{
  "items": [
    {
      "id": "0199c3f0-1b2a-7c4d-8e5f-6a7b8c9d0e1f",
      "name": "Retail USD",
      "banking_fee_configs": [
        {
          "rail": "Ach",
          "fiat_transfer_type": "PayIn",
          "fee_amount": { "amount": "0.5", "currency": { "code": "USD", "type": "Fiat" } },
          "settlement": "deductedImmediately",
          "billing_type": "Per Transaction"
        },
        {
          "rail": "Wire",
          "fiat_transfer_type": "PayIn",
          "fee_amount": { "amount": "10", "currency": { "code": "USD", "type": "Fiat" } },
          "settlement": "deductedImmediately",
          "billing_type": "Per Transaction"
        }
      ]
    }
  ]
}

Then preview the transaction and network fees for an amount. Pass the Autoramp’s fee_profile_id so the preview uses the same pricing:

Example: GET /api/autoramps/quotes-preview

Request

curl "https://api.sandbox.iron.xyz/api/autoramps/quotes-preview?customer_id=0199c1d8-4f2e-7a3b-9c5d-1e2f3a4b5c6d&source_currency_code=USD&destination_currency_code=USDC&destination_currency_chain=Solana&amount_in=1000&fee_profile_id=0199c3f0-1b2a-7c4d-8e5f-6a7b8c9d0e1f" \
  -H "X-API-Key: <your-api-key>"

Quote preview

{
  "amount_in": { "amount": "1000", "currency": { "code": "USD", "type": "Fiat" } },
  "amount_out": { "amount": "994.5", "currency": { "blockchain": "Solana", "token": "USDC", "type": "Crypto" } },
  "rate": "1",
  "fee": {
    "transaction_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee": { "amount": "0.5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee_network": "Ach",
    "network_fee": { "amount": "0", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee": { "amount": "2", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee_settlement": "settledLater",
    "total_fee": { "amount": "7.5", "currency": { "code": "USD", "type": "Fiat" } }
  },
  "fee_profile_id": "0199c3f0-1b2a-7c4d-8e5f-6a7b8c9d0e1f"
}

The preview prices a USD deposit as ACH, so take the banking fee for each rail from the fee profile. Divide fee.transaction_fee by amount_in to show it as a percentage. Your customer sees:

Transaction fee   0.5%
Banking fee       ACH 0.50 USD, Wire 10.00 USD
Network fee       0.00 USD
Rate              about 1 USDC per USD

Market Autoramps price each deposit when it arrives, so show the rate as an estimate.

Before payment: quote-based Autoramp

A quote locks the amount, rate, and fees. Show the quote as it is. Your customer must send exactly amount_in: deposits that match no active quote are returned to sender. See Quotes.

Show	Quote field
Amount to send	`amount_in`
Exchange rate	`rate`, locked until `rate_lock_valid_until`
Transaction fee	`fee.transaction_fee`
Banking fee	`fee.banking_fee`
Network fee	`fee.network_fee`
Amount received	`amount_out`
Pay before	`valid_until`

Request a quote for the customer’s Autoramp with GET /api/autoramps/{autoramp_id}/quote:

Example: GET /api/autoramps/{autoramp_id}/quote

Request

curl "https://api.sandbox.iron.xyz/api/autoramps/0199c4a2-7e31-7b2c-9f4d-3a8e5c1d2b60/quote?source_currency_code=USD&amount_in=1000&rate_lock_duration_minutes=10&rate_expiry_policy=Return&expiry_in_hours=1" \
  -H "X-API-Key: <your-api-key>"

Quote

{
  "quote_id": "0199c4f1-8a2b-7c3d-9e4f-5a6b7c8d9e0f",
  "autoramp_id": "0199c4a2-7e31-7b2c-9f4d-3a8e5c1d2b60",
  "amount_in": { "amount": "1000", "currency": { "code": "USD", "type": "Fiat" } },
  "amount_out": { "amount": "994.5", "currency": { "blockchain": "Solana", "token": "USDC", "type": "Crypto" } },
  "rate": "1",
  "rate_lock_valid_until": "2026-10-28T14:10:00+00:00",
  "rate_expiry_policy": "Return",
  "valid_until": "2026-10-28T14:10:00+00:00",
  "fee": {
    "transaction_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee": { "amount": "0.5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee_network": "Ach",
    "network_fee": { "amount": "0", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee": { "amount": "2", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee_settlement": "settledLater",
    "total_fee": { "amount": "7.5", "currency": { "code": "USD", "type": "Fiat" } }
  },
  "signature": "36665918454471c078724046bcb82698eac2fb6f5f91c58a0f1a3923c5d95a28"
}

Attach it with POST /api/autoramps/{autoramp_id}/quotes. Your customer sees:

Send exactly      1,000.00 USD
Transaction fee   5.00 USD
Banking fee       0.50 USD
Network fee       0.00 USD
Rate              1 USDC per USD
Receive           994.50 USDC
Pay before        14:10 UTC

With Return, the quote is valid only while the rate is locked. With Slippage, a deposit after the lock executes at the market rate if it is within slippage_tolerance_in_bips, so the amounts can differ from the quote. See Expiry policies.

After payment: the completed transaction

When the transaction completes, show what was deducted from fee_breakdown:

Show	Transaction field
Amount sent	`source_amount`
Exchange rate	`exchange_rate`
Transaction fee	`fee_breakdown.transaction_fee`
Banking fee	`fee_breakdown.banking_fee`, on the rail in `fee_breakdown.banking_fee_network`
Network fee	`fee_breakdown.network_fee`
Amount received	`destination_amount`

A 1,000 USD ACH deposit to the same virtual account returns this from GET /api/autoramp-transactions:

Example: GET /api/autoramp-transactions

Transaction

{
  "id": "0199c5b7-2d4e-7f6a-8b9c-0d1e2f3a4b5c",
  "kind": "Onramp",
  "status": "Completed",
  "source_amount": { "amount": "1000", "currency": { "code": "USD", "type": "Fiat" } },
  "exchange_rate": "1",
  "destination_amount": { "amount": "994.5", "currency": { "blockchain": "Solana", "token": "USDC", "type": "Crypto" } },
  "fee": "7.5",
  "fee_breakdown": {
    "transaction_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee": { "amount": "0.5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee_network": "Ach",
    "network_fee": { "amount": "0", "currency": { "code": "USD", "type": "Fiat" } },
    "partner_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee": { "amount": "2", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee_settlement": "settledLater",
    "total_fee": { "amount": "7.5", "currency": { "code": "USD", "type": "Fiat" } }
  }
}

Your customer sees:

Sent              1,000.00 USD
Transaction fee   5.00 USD
Banking fee       0.50 USD (ACH)
Network fee       0.00 USD
Rate              1 USDC per USD
Received          994.50 USDC

A transaction from a quote has the same fields and carries the quote_id. When the deposit arrives while the rate is locked, exchange_rate, destination_amount, and fee_breakdown match the quote.

Example: transaction from a quote

Transaction

{
  "id": "0199c4f9-3c4d-7e5f-8a6b-7c8d9e0f1a2b",
  "kind": "Onramp",
  "status": "Completed",
  "quote_id": "0199c4f1-8a2b-7c3d-9e4f-5a6b7c8d9e0f",
  "source_amount": { "amount": "1000", "currency": { "code": "USD", "type": "Fiat" } },
  "exchange_rate": "1",
  "destination_amount": { "amount": "994.5", "currency": { "blockchain": "Solana", "token": "USDC", "type": "Crypto" } },
  "fee": "7.5",
  "fee_breakdown": {
    "transaction_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee": { "amount": "0.5", "currency": { "code": "USD", "type": "Fiat" } },
    "banking_fee_network": "Ach",
    "network_fee": { "amount": "0", "currency": { "code": "USD", "type": "Fiat" } },
    "partner_fee": { "amount": "5", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee": { "amount": "2", "currency": { "code": "USD", "type": "Fiat" } },
    "iron_fee_settlement": "settledLater",
    "total_fee": { "amount": "7.5", "currency": { "code": "USD", "type": "Fiat" } }
  }
}

The examples are trimmed to the fields this section uses.

Do not show to customer

These fields either repeat a fee or hold fees settled later. Fees settled later don’t change what the customer pays. They are settled between you and MoonPay Enterprise on your monthly invoice, so use them for your own accounting.

total_fee and the transaction’s top-level fee. They include fees settled later, so they overstate what the customer paid.
partner_fee. It is already part of transaction_fee.
iron_fee, when iron_fee_settlement is settledLater.
Entries in network_fees_with_settlement with settlement set to settledLater, such as gas you subsidize.
Banking fees from your invoicing fee profile. They are not in the API response. Find them on your monthly invoice and in the transaction details on the dashboard.

Fee Fields

Quote and transaction responses return the following fee fields:

Field	Description
`transaction_fee`	The percentage-based fee deducted immediately from the transaction. It includes the `iron_fee` when `iron_fee_settlement` is `deductedImmediately`, plus your partner fee. It excludes banking and network fees.
`iron_fee`	The fee you owe MoonPay Enterprise under your agreement, regardless of when it is settled.
`partner_fee`	The fee you charge the customer. Set it with `transaction_fee_bips` when you create a transactional fee profile.
`banking_fee`	The banking rail fee deducted immediately from the transaction.
`network_fee`	The blockchain network fee deducted immediately from the transaction.
`total_fee`	The total fee calculated for the transaction, including fees that are settled later. Do not use this field as the amount charged to the customer.

Banking and network fees from your transactional fee profile that are settled later remain available in network_fees_with_settlement, together with their settlement method.

Banking fees on your invoicing fee profile are not in these fields. If you do not charge the customer for a rail, network_fees_with_settlement still lists it with a 0 amount (for example WireOut), so you can see which rail the transaction used.

Fee Profiles

MoonPay Enterprise uses two fee profile types:

The invoicing fee profile contains the fees you owe MoonPay Enterprise. We configure this profile based on your agreement.
A transactional fee profile contains the fees you charge your customers. You can create multiple profiles and assign them to different customers or Autoramps.

When you create a transactional fee profile with POST /api/fee-profiles, its Iron fee settings are inherited from your invoicing fee profile.

Request field	What it controls
`transaction_fee_bips_decimal`	Your percentage fee charged to the customer, in basis points, with fractions allowed (for example `"12.5"`). `100` bps equals `1%`. This fee is deducted immediately. Takes precedence over `transaction_fee_bips`.
`transaction_fee_bips`	Deprecated. The same fee rounded to a whole basis point. Still required on every request.
`banking_fee_configs`	The fixed fee charged for each configured banking rail and transfer direction. Banking fees created through this endpoint are deducted immediately.
`network_fee_settlement`	Whether the blockchain network fee is deducted immediately or settled on your monthly invoice.

The API does not let you change the Iron fee, its settlement method, the minimum fee, or whether network fees are enabled. Contact MoonPay Enterprise to change these invoicing settings.

Settlement Methods

Fee settlement has two possible values:

deductedImmediately: The fee is deducted from the transaction amount. The customer receives the net amount.
settledLater: The fee is not deducted from the transaction. It is added to your monthly invoice.

Partner fees created with transaction_fee_bips are configured for immediate deduction. You choose network_fee_settlement when you create the transactional fee profile. MoonPay Enterprise configures the Iron fee settlement method on your invoicing profile.

Monthly Invoicing

The transaction_fee collected from your customer is netted against the iron_fee you owe MoonPay Enterprise. For percentage-based fees calculated on the same transaction amount:

Comparison	Invoice result
`transaction_fee` is higher than `iron_fee`	The difference is payable to you.
`transaction_fee` equals `iron_fee`	The fees offset each other. There is nothing left to settle for these fees.
`transaction_fee` is lower than `iron_fee`	You subsidize the difference. The balance is added to your invoice.

Banking fees, network fees, minimum commitments, and other contracted charges are settled separately and also appear on the monthly invoice when applicable.

Deducted and Invoiced Fees on the Dashboard

The transaction details on the dashboard show two cards:

Deducted Fees: what came out of the customer’s money on this transaction.
Invoiced Fees: what this transaction adds to your monthly invoice.

A fee that appears in both cards is not charged twice. Invoiced Fees shows only what is left after the amount already deducted from the customer. If a rail costs you 1.00 USD and your customer paid 0.50 USD for it, the dashboard shows 0.50 USD deducted and 0.50 USD invoiced. If your customer paid nothing for the rail, the full 1.00 USD is invoiced.

Getting Started

Coverage

Onboarding & Compliance

Virtual Accounts & Global Payouts

Issuance

Wallets

Webhooks & Events

Billing & Settlement

Support

What to Show Your Customer

Before payment: market Autoramp

Before payment: quote-based Autoramp

After payment: the completed transaction

Do not show to customer

Fee Fields

Fee Profiles

Settlement Methods

Monthly Invoicing

Deducted and Invoiced Fees on the Dashboard

​What to Show Your Customer

​Before payment: market Autoramp

​Before payment: quote-based Autoramp

​After payment: the completed transaction

​Do not show to customer

​Fee Fields

​Fee Profiles

​Settlement Methods

​Monthly Invoicing

​Deducted and Invoiced Fees on the Dashboard

What to Show Your Customer

Before payment: market Autoramp

Before payment: quote-based Autoramp

After payment: the completed transaction

Do not show to customer

Fee Fields

Fee Profiles

Settlement Methods

Monthly Invoicing

Deducted and Invoiced Fees on the Dashboard