# Set your gateway fees > Choose whether your customer pays the payment gateway fee, and set a fixed, percentage, combined or Full Payout fee for each payment channel. > > Source: https://docs.bcl.my/gateway-fees/ A gateway fee is an amount that BCL adds to your customer's total to cover the Bayarcash charge. It depends on the payment channel the customer chooses at checkout. You set the fee for each channel once, then choose on each form whether to charge it. To have your customer pay the whole charge so you receive the full sale, use the **Full Payout** fee type. This is step 2 of 4 to your first sale. Check your current Bayarcash rates in the [Bayarcash Console](https://console.bayar.cash/) before you set your fees. ## Set the fee for each channel Only the account owner and admins can change gateway fees. To set them: 1. Go to **Platform Setup** → **Gateway Fee**. *(Screenshot: The Platform Setup menu in the BCL sidebar, with Gateway Fee highlighted)* 2. Open the tab that has the channel: | Tab | Channels | |---|---| | **Standard Channels** | FPX, Direct Debit, Line of Credit and DuitNow OBW | | **QR Payment Channels** | **DuitNow QR (Malaysia)**, which includes SPayLater QR and Boost PayFlex QR, and **DuitNow QR (Cross-Border)**, which covers Indonesia (QRIS), Singapore (NETS), Thailand (PromptPay) and China (Alipay, WeChat Pay). One rate applies to every channel in the row. | | **Enterprise Package** | Cards, e-wallets and pay-later, such as Touch 'n Go eWallet, Boost Wallet, GrabPay, Grab PayLater, SPayLater and Credit Card | *(Screenshot: The Gateway Fee page with the Standard Channels, QR Payment Channels and Enterprise Package tabs highlighted)* 3. Turn on **Enable** for each channel you want to charge a fee on. 4. Choose a **Fee Type**. Every channel on every tab offers the same four types: | Fee Type | What BCL adds to the sale | Use it when | |---|---|---| | **Fixed** | The same **Fixed Fee** on every sale | Bayarcash charges a flat amount on the channel, such as FPX | | **Percentage** | A **Percentage Fee** of the sale amount | You want the added fee to match the rate exactly, and you accept a few sen less on each sale | | **Combined** | A **Fixed Fee** plus a **Percentage Fee** of the sale amount | Bayarcash charges a flat amount plus a percentage, and you accept a few sen less | | **Full Payout** | Enough that, after Bayarcash takes its percentage of the total, you still receive the full sale. The **Fixed Fee** is optional. | Bayarcash charges a percentage and you want your customer to pay all of it | *(Screenshot: The Fee Type list open on the DuitNow QR (Malaysia) row, with Fixed, Percentage, Combined and Full Payout, with Full Payout highlighted)* 5. Fill in the amounts the type needs. For **Percentage** and **Full Payout**, type your Bayarcash rate as the **Percentage Fee**, for example 1.6. For **Full Payout** on a channel where Bayarcash also charges a flat amount, type it as the **Fixed Fee**. 6. Optional: for **Percentage**, **Combined** or **Full Payout**, set a **Minimum Fee**. When the calculated fee is lower, BCL charges the minimum instead. Leave it blank for no minimum. *(Screenshot: One channel's row, with its Enable switch, Fee Type, Fixed Fee, Percentage Fee, Minimum Fee and SST highlighted)* 7. Optional: turn on **SST** for a channel if Bayarcash charges 8% SST on its fee for that channel. See [When to turn on SST](#when-to-turn-on-sst). 8. Check the result in the **Fee Calculator** under the table. Type a **Sale amount** and choose a **Payment channel**. It shows the **Customer fee**, what the **Customer pays**, the **Gateway fee** and what **You receive**. It uses the rates on screen, even before you save. *(Screenshot: The Fee Calculator with a RM 3000 sale on DuitNow QR (Malaysia): Customer pays RM 3,048.78 and You receive RM 3,000.00 with a Full sale badge)* 9. Click **Save Settings**. *(Screenshot: The Save Settings button highlighted at the top of the Gateway Fee page)* Channels you turn off charge no fee. BCL keeps their rates so you can turn them on again later. In the **Fee Calculator**, a channel that is off shows as (Disabled), and you cannot choose it. Click **How It Works** on the page for worked examples. > **Tip** > A channel you have never saved starts on **Full Payout**, except FPX, Direct Debit and DuitNow OBW, which start on **Fixed**. **Reset** fills every channel with these defaults. The change only applies after you click **Save Settings**. Fees you saved before Full Payout came to BCL keep their old **Fee Type** until you change them. ## Choose who ends up paying the fee Bayarcash charges its rate on the full amount your customer pays, and that amount already includes the gateway fee BCL added. With **Percentage**, BCL calculates the fee on the sale amount only. You pay the fee on the added fee. **Full Payout** calculates it on the total instead, so your customer pays all of it. Here is a RM 3,000 sale on a channel where Bayarcash charges 1.6%, as the **Fee Calculator** shows it: | Fee Type (1.6%) | Customer fee | Customer pays | Gateway fee | You receive | |---|---|---|---|---| | **Percentage** | RM 48.00 | RM 3,048.00 | RM 48.77 | RM 2,999.23 (RM 0.77 short) | | **Full Payout** | RM 48.78 | RM 3,048.78 | RM 48.78 | RM 3,000.00 (Full sale) | The gap grows with the rate and the sale. At 2% on RM 3,000, **Percentage** leaves you RM 1.20 short. With **Full Payout**, the Nett Amount on each Bayarcash transaction matches your sale amount. BCL calculates the **Full Payout** total as (sale amount + **Fixed Fee**) ÷ (1 − rate) and rounds it to the nearest sen. Then BCL adds a sen at a time until what you receive covers the sale. > **Note** > If you keep **Percentage** instead, set the rate a little higher than the Bayarcash rate: Bayarcash rate ÷ (1 − Bayarcash rate), rounded up to the next 0.01%. For a 1.6% rate, that is 1.63. **Full Payout** calculates the fee to the sen for every sale amount, so use it. ## When to turn on SST Turn on **SST** for a channel when Bayarcash charges 8% SST on its gateway fee for that channel. Bayarcash charges SST on the gateway fee, not on the sale. With **SST** on: - The fee BCL adds covers the SST too. A RM 1.00 **Fixed** fee becomes RM 1.08, and the **Minimum Fee** rises by 8% in the same way. - **Full Payout** adds enough for the gateway fee and its SST, so you still receive the full sale. - The **Fee Calculator** shows an extra **SST (8%)** line between **Gateway fee** and **You receive**. Leave it off when Bayarcash charges no SST on its fee for the channel. Otherwise your customer pays more than the charge. ## Charge the fee on a form The rates only reach your customer when the form has the fee turned on: 1. Open the form and go to the **Form Configuration** tab. 2. Under **Payment Settings**, turn on **Enable Gateway Fee** to add the fee to your customer's total. To absorb the fee yourself, turn it off. *(Screenshot: The Payment Settings section of a form with the Enable Gateway Fee switch highlighted)* 3. Click **Update Form** (or **Add Payment Form** for a new form). BCL calculates the fee on the form total your customer pays. This total is after any coupon, and it includes shipping and tax. ## Tips A few habits keep your fees accurate: - **Use Full Payout when your customer must pay the whole charge.** It includes the fee on the fee. You receive the full sale, and you do not calculate a rate by hand. - **Fill in the rate Bayarcash charges you, channel by channel.** Rates differ by channel and by merchant agreement. The **Fee Calculator** assumes that Bayarcash charges the rate you set. Check each rate in the [Bayarcash Console](https://console.bayar.cash/). - **Preview before you save.** Try a typical sale in the **Fee Calculator**: a "short" badge next to **You receive** means that you pay part of the fee yourself. - **Check one real transaction after you change a rate.** When the customer pays the full fee, the Nett Amount in Bayarcash must match your sale amount. Next step: [Add your company details](/company-details/). ## Common issues ### Who pays the gateway fee, me or my customer? You decide per form. With Enable Gateway Fee on, BCL adds the fee to your customer's total. With it off, BCL adds no fee and you absorb the Bayarcash charge. The switch is on by default for new forms. To have your customer cover the whole Bayarcash charge, use the Full Payout fee type. ### Why is the Minimum Fee field greyed out? Minimum Fee only works with the Percentage, Combined or Full Payout fee type. It stays greyed out when the channel's Enable switch is off, when no Fee Type is chosen, or when the type is Fixed. ### Does a Minimum Fee stop customers paying small amounts? No. It only sets the lowest fee added to a sale. Customers can still check out below it. To block small orders, raise your prices or set a minimum order on the form instead. ### Why is my Bayarcash fee RM 48.77 when I added RM 48? Bayarcash charges its rate on everything it receives, and that includes the fee you added. On a RM 3,000 sale with a 1.6% Percentage fee, your customer pays RM 3,048. 1.6% of RM 3,048 is RM 48.77, so you receive RM 2,999.23. Change the channel's Fee Type to Full Payout with the same 1.6%. BCL then adds RM 48.78, and you receive the full RM 3,000. See Choose who ends up paying the fee (#choose-who-ends-up-paying-the-fee). ### Which fee applies when a customer from Singapore pays with NETS? The DuitNow QR (Cross-Border) row on the QR Payment Channels tab. One rate covers NETS (Singapore), QRIS (Indonesia), PromptPay (Thailand), Alipay and WeChat Pay. The customer pays in RM. See Accept payments from Singapore with NETS (/nets-singapore/).