Set your gateway fees

Watch the steps

1. 1Platform Setup
2. 2Gateway Fee
3. 3QR Payment Channels
4. 4Enable
5. 5Full Payout
6. 6Percentage Fee
7. 7Fee Calculator
8. 8Save Settings

Set your gateway fees (0:27)

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 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.

   

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

   

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

   

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.

   

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.

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.

   

9. Click Save Settings.

   

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.

   

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.
• 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.

See it live

• Bridal Makeup and Inai Package by Seri Andaman BridalSeri Andaman Bridal, a bridal makeup and inai artist in Kota Bharu selling a RM 1,200 full package

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.

See it in the steps

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.

See it in the steps

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.

See it in the steps

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.

Related articles

• Connect your Bayarcash account
• Create your first payment form
• Add your company details
• Create a payment link