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Contract tier dependentPricing field configuration varies by contract tier: Enterprise, Startup, and Developer tiers have different available options and fee structures.
Your pricing configuration is set at the tenant level and applies across your entire issuing program. The specific fees and pricing structures available to you depend on your contract tier.

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Available pricing fields

Your contract tier determines which pricing fields are available:

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Enterprise tier

  • Custom interchange rates
  • Transaction fees
  • Monthly maintenance fees
  • FX/Cross-border fees
  • Custom authorization fees
  • Volume-based pricing tiers

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Startup tier

  • Standard transaction fees
  • Basic FX fees
  • Limited custom fee options
  • Volume discounts (on qualification)

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Developer tier

  • Fixed transaction fees
  • Standard FX rates
  • No custom fee configuration
  • Pay-as-you-go pricing

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Changing your pricing configuration

Pricing fields are configured during your program setup or contract negotiations. If you need to change your pricing:
  1. Contact your Rain account manager or sales@rain.xyz
  2. Provide details about your required pricing structure
  3. Rain configures the appropriate fields based on your contract tier
  4. Changes typically take 3-5 business days to implement

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FX and cross-border fees

Rain automatically applies FX and cross-border (XB) fees based on your configured rates:
  • FX fees: Applied when the transaction currency differs from USD (all Rain card programs are USD-denominated)
  • XB fees: Applied for transactions processed outside your program’s primary country
FX and cross-border fees are mutually exclusive: a transaction incurs one or the other, never both. When both would apply, the FX fee takes precedence.

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Billing models

Cross-border fees can be billed in two ways:
  • Per-transaction billing: Rain calculates fees and includes them in authorization calculations at the time of each transaction.
  • Monthly invoice billing: Fees are calculated based on your total cross-border transaction volume during the billing period and added as a line item on your monthly Stripe invoice. Available for Enterprise and Startup tier programs.
The billing model is configured on the Rain side during program setup.
Contact your Rain account manager for current FX/XB rates and configuration options available to your tier.

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ATM fees

Rain charges ATM fees to cover network and processing costs.
Additional ATM fees are subject to Rain approval.

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Payment route fees

Rain charges fees for payment routes based on your pricing configuration.

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Per-active payment route fee

Rain charges you a monthly fee for each active payment route. A payment route is considered active if it has a status of “active” during the billing cycle. Fee structure:
  • Calculated by multiplying the number of active payment routes by the configured rate for each fiat currency
  • The rate per payment route varies by contract tier and is set during program setup
This fee appears on your monthly Stripe invoice.
Rain can customize this fee rate based on your contract tier. Contact your Rain account manager to adjust this pricing.

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Transfer fees

When transfers are processed through your payment routes (both onramps and offramps), Rain charges transfer fees based on your tenant’s pricing configuration. Transfer fees may include:
  • Per-transfer fees: A flat fee per completed transfer, which may vary by source and destination rail (such as ACH or wire)
  • Volume-based fees: A percentage-based fee on the transfer volume, which may vary by rail
This fee appears on your monthly Stripe invoice as “Automation Transfer Fees.”
Rain can customize transfer fee rates based on your contract tier. Contact your Rain account manager for details on your transfer pricing.

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Custom fees via API

You can also charge custom fees beyond your tenant-level configuration using the API:
Custom charges apply after authorizationCustom charges via API are applied after authorization and may cause users to go negative.