{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/payments-odl/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["admonition"]},"type":"markdown"},"seo":{"title":"Fees charging model","description":"User guides, API reference, and support resources.","siteUrl":"https://docs.ripple.com/products/custody","lang":"en-US","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"fees-charging-model","__idx":0},"children":["Fees charging model"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Institutions that use RippleNet can collect fees with their accounts. Accounts collect fees from processing transfers across RippleNet during a payment. You can configure fees for each of your institution's RippleNet instances. There are many configurable possibilities for how you can collect fees, including the following typical high-level strategies:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Sending Institutions collect fees from their originating customer."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Receiving Institutions collect various fees:",{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["From Sending Institutions that hold a Nostro account on its ledger"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["From specific partners"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["For payments using specific payout methods"]}]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["RippleNet supports the conventional OUR/BEN/SHA fees charging model:"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"our-fee-model","__idx":1},"children":["OUR fee model"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The sender covers all transfer charges"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The beneficiary will receive the full amount of the transfer."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This fee model can be achieved by setting the quote type as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["RECEIVING_AMOUNT"]}," in the call to the ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Create quote collection"]}," operation."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info","name":"Note"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When using the OUR model, the ",{"$$mdtype":"Tag","name":"em","attributes":{},"children":["ChrgBr"]}," field in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["user_info"]}," should be passed as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["DEBT"]},"."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"ben-fee-model","__idx":2},"children":["BEN fee model"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The beneficiary covers all transfer charges"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This fee model can be achieved by setting the quote type as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SENDING_AMOUNT"]}," in the call to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Create quote collection"]},"."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info","name":"Note"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When using the BEN model, the ",{"$$mdtype":"Tag","name":"em","attributes":{},"children":["ChrgBr"]}," field in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["user_info"]}," should be passed as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["CRED"]},"."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"sha-fee-model","__idx":3},"children":["SHA Fee Model"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The transfer charges are split between the sender and the beneficiary."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["This usually means the sender pays for fees charged by the sending bank, and the beneficiary pays for the fees charged by the receiving bank."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This fee model can be achieved by setting the quote type as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SENDER_INSTITUTION_AMOUNT"]}," or ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["RECEIVER_INSTITUTION_AMOUNT"]}," in the call to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Create quote collection"]},"."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info","name":"Note"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When using the SHA model, the ",{"$$mdtype":"Tag","name":"em","attributes":{},"children":["ChrgBr"]}," field in the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["user_info"]}," should be passed as ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["SHAR"]},"."]}]},{"$$mdtype":"Tag","name":"div","attributes":{"className":"md-table-wrapper"},"children":[{"$$mdtype":"Tag","name":"table","attributes":{"className":"md"},"children":[{"$$mdtype":"Tag","name":"thead","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"th","attributes":{"align":"center","data-label":"Component"},"children":["Component"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Value"},"children":["Value"]},{"$$mdtype":"Tag","name":"th","attributes":{"align":"left","data-label":"Description"},"children":["Description"]}]}]},{"$$mdtype":"Tag","name":"tbody","attributes":{},"children":[{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["currency_code"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Ripple recommends using ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"https://www.iso.org/iso-4217-currency-codes.html"},"children":["ISO 4217 Currency Codes"]}]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Configured for one currency, set by currency value"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["role_type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["SENDING, RECEIVING, INSTITUTION_SENDING, INSTITUTION_RECEIVING"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Role account plays in transfer"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["node_type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["INITIAL, INTERMEDIATE, or TERMINAL"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["How node participates in payment flow"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["payment_type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["REGULAR, RETURN"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Configured to apply to regular or return payments"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["fee_type"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["PERCENTAGE, FLAT_RATE"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Flat or percentage fee"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["value"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":[]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Value of the fee to be applied"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["partner_name"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["String"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Provides the partner's RippleNet address"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["account_name"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["String"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["For fees that apply to specific accounts, provides account name"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["upper_limit"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["BigDecimal"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Provides the upper limit of the slab"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"center"},"children":["lower_limit"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["BigDecimal"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Provides the lower limit of the slab"]}]}]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For more information, see ",{"$$mdtype":"Tag","name":"a","attributes":{"href":"/products/payments-odl/api-docs/ripplenet/best-practices/fees"},"children":["Fees"]},"."]}]},"headings":[{"value":"Fees charging model","id":"fees-charging-model","depth":1},{"value":"OUR fee model","id":"our-fee-model","depth":2},{"value":"BEN fee model","id":"ben-fee-model","depth":2},{"value":"SHA Fee Model","id":"sha-fee-model","depth":2}],"frontmatter":{"seo":{"title":"Fees charging model"}},"lastModified":"2025-10-03T17:57:05.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/payments-odl/api-docs/ripplenet/best-practices/fees/fees-charging-model","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}