> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing and Fees

> See how your contract tier determines your available pricing fields, fee structures, and FX and cross-border charges.

<Info>
  **Contract tier dependent**

  Pricing field configuration varies by contract tier: Enterprise, Startup, and Developer tiers have different available options and fee structures.
</Info>

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.

## Available pricing fields

Your contract tier determines which pricing fields are available:

### Enterprise tier

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

### Startup tier

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

### Developer tier

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

## 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](mailto: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

## 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

<Info>
  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.
</Info>

### 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.

<Info>
  Contact your Rain account manager for current FX/XB rates and configuration options available to your tier.
</Info>

## ATM fees

Rain charges ATM fees to cover network and processing costs.

| Transaction type | Fee                                 |
| ---------------- | ----------------------------------- |
| Balance inquiry  | \$0.60                              |
| Decline          | \$0.60                              |
| Withdrawal       | \$1.00 + 0.65% of withdrawal amount |

<Info>
  Additional ATM fees are subject to Rain approval.
</Info>

## Payment route fees

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

### 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.

<Info>
  Rain can customize this fee rate based on your contract tier. Contact your Rain account manager to adjust this pricing.
</Info>

### 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."

<Info>
  Rain can customize transfer fee rates based on your contract tier. Contact your Rain account manager for details on your transfer pricing.
</Info>

## Custom fees via API

You can also charge custom fees beyond your tenant-level configuration using the API:

* [Charge a user a custom fee](/reference/users/charge-a-user-a-custom-fee)
* [Charge a company a custom fee](/reference/companies/charge-a-company-a-custom-fee)

<Warning>
  **Custom charges apply after authorization**

  Custom charges via API are applied after authorization and may cause users to go negative.
</Warning>