Fees

The agreed-upon fees between the master and the sellers can be an MDR (%) and/or a Fixed Fee (R$), and must be defined at the time of registration of the master and their sellers with Split de Pagamento.

The fees can be sent at the time of the transaction (capture) or post-transactional. If not sent, Split de Pagamento will consider the fees previously registered and agreed upon by the participants.

• MDR (Merchant Discount Rate): percentage to be deducted from the value of a transaction, defined by product (credit/debit/boleto), network, and installment range. It is possible to define a single MDR (global rate) for all agreements with the sellers;
• Fixed Fee: also known as a transaction fee. Amount in cents to be charged per captured transaction. It is deducted at the time of "assembling" the financial schedule.

Fee agreements between Split de Pagamento and master

Split de Pagamento will agree upon an MDR and/or a Fixed Fee with the master, which will be deducted from the total value of each transaction.

The master, being aware of these fees, will also negotiate an MDR and/or a Fixed Fee with each seller. If desired, they can embed the agreed MDR and/or Fee with Split de Pagamento.

• The Fixed Fee agreed upon between the master and Split de Pagamento is not applied to the total transaction value, meaning it does not enter into the division calculation, and is directly debited from the amount that the master is due to receive from Split de Pagamento;
• The MDR is included in the transaction division calculation, considering the total transaction value, as the MDR must be embedded in the MDR agreed upon between the master and their sellers.

Split de Pagamento Fee: MDR Split de Pagamento (%) + Fixed Fee Split de Pagamento (R$)

Fee agreements between master and seller

The master is responsible for agreeing upon the fees to be charged from their sellers, defining an MDR greater than or equal to the MDR defined with Split de Pagamento, and an optional Fixed Fee.

Master Fee: MDR Master (%) + Fixed Fee (R$), where MDR Master (%) can embed MDR Split de Pagamento (%).

Example of split and fees

A transaction of R$100.00, carried out by a master with the participation of seller A.

In this example, the following agreements were assumed:

Split de Pagamento Fee: 2% MDR + R$0.10 Fixed Fee.

Master Fee: 4% MDR (embedding the 2% MDR from Split de Pagamento) + R$0.30 Fixed Fee.

After the split, each participant will have their schedule impacted by the following events:

Seller:

• Credit of R$96.00 (R$100.00 from the transaction minus R$4.00 MDR);
• *Debit of R$0.30 Fixed Fee.

The total amount to receive by the seller will be R$95.70.

Master:

• Credit of R$2.30 (R$4.00 MDR plus R$0.30 Fixed Fee from the seller, minus R$2.00 MDR from Split de Pagamento)
• Debit of R$0.10 (Fixed Fee agreed with Split de Pagamento).

The total amount to receive by the master will be R$2.20.

Split de Pagamento:

• Credit of R$2.10 (R$2.00 MDR applied to the total transaction value plus R$0.10 Fixed Fee agreed with the Master).

The total amount to receive by Split de Pagamento will be R$2.10.