> ## Documentation Index
> Fetch the complete documentation index at: https://developer.finogates.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Quote a Fee for an Amount

> Calculate the **actual fee** for a payment of a given amount on one fee line —
the same number that will be charged at payment time.

Supply the ``fee_code`` (from `List Your Fee Schedule`) and the payment
``amount``; the quote runs the live fee engine, so it honours:

- your **active override** when one is set, otherwise the **global** default
  (``scope_level`` tells you which);
- the line's configured **structure** — ``flat``, ``percent``,
  ``flat_plus_percent``, ``per_unit``, ``tiered``, or ``component`` (card
  acquiring's processing + delivery legs);
- the **payer/payee bearer** split and any min/max **caps**.

The response gives the full breakdown:

- ``fee_amount`` — total fee.
- ``processing_fee_amount`` / ``delivery_fee_amount`` — the two legs (delivery
  is ``0`` for non-component lines).
- ``payer_fee_amount`` / ``payee_fee_amount`` — who bears it.
- ``payer_total_amount`` — what the payer pays (amount + payer-borne fee).
- ``payee_net_amount`` — what the payee receives (amount − payee-borne fee).

Every amount is returned in both major units and ``_minor`` (cents). Returns
``404`` for an unknown ``fee_code``.



## OpenAPI

````yaml POST /v1/platform/fees/quote
openapi: 3.1.0
info:
  title: Finogate Platform API v1
  version: 0.1.0
servers:
  - url: https://api-sandbox.finogates.com
    description: Sandbox
  - url: https://api.finogates.com
    description: Production
security: []
tags:
  - name: auth
  - name: users
  - name: payees
  - name: verification
  - name: bank accounts
  - name: card processing
  - name: digital-assets
  - name: international
  - name: fees
  - name: onboarding
  - name: pending-applications
  - name: wallets
  - name: payments
  - name: document mailing
  - name: merchant onboarding
  - name: catalog
  - name: webhooks
  - name: screening
  - name: Platform - File Scanning
  - name: phone-numbers
  - name: sms
  - name: calls
  - name: listings
  - name: Card Transfers
  - name: embed-tokens
paths:
  /v1/platform/fees/quote:
    post:
      tags:
        - fees
      summary: Quote a Fee for an Amount
      description: >-
        Calculate the **actual fee** for a payment of a given amount on one fee
        line —

        the same number that will be charged at payment time.


        Supply the ``fee_code`` (from `List Your Fee Schedule`) and the payment

        ``amount``; the quote runs the live fee engine, so it honours:


        - your **active override** when one is set, otherwise the **global**
        default
          (``scope_level`` tells you which);
        - the line's configured **structure** — ``flat``, ``percent``,
          ``flat_plus_percent``, ``per_unit``, ``tiered``, or ``component`` (card
          acquiring's processing + delivery legs);
        - the **payer/payee bearer** split and any min/max **caps**.


        The response gives the full breakdown:


        - ``fee_amount`` — total fee.

        - ``processing_fee_amount`` / ``delivery_fee_amount`` — the two legs
        (delivery
          is ``0`` for non-component lines).
        - ``payer_fee_amount`` / ``payee_fee_amount`` — who bears it.

        - ``payer_total_amount`` — what the payer pays (amount + payer-borne
        fee).

        - ``payee_net_amount`` — what the payee receives (amount − payee-borne
        fee).


        Every amount is returned in both major units and ``_minor`` (cents).
        Returns

        ``404`` for an unknown ``fee_code``.
      operationId: quote_fee_v1_platform_fees_quote_post
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PlatformFeeQuoteRequest'
        required: true
      responses:
        '200':
          description: The resolved fee for the amount, with the payer / payee breakdown.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CommonResponse'
              example:
                status_code: 200
                data:
                  processing_fee_amount: 3.2
                  processing_fee_amount_minor: 320
                  delivery_fee_amount: 0
                  delivery_fee_amount_minor: 0
                  payer_fee_amount: 3.2
                  payer_fee_amount_minor: 320
                  payee_fee_amount: 0
                  payee_fee_amount_minor: 0
                  payer_total_amount: 103.2
                  payer_total_amount_minor: 10320
                  payee_net_amount: 100
                  payee_net_amount_minor: 10000
                  fee_amount: 3.2
                  fee_amount_minor: 320
                  currency: USD
                  policy_id: 7a1c9e2b-4d6f-4a8b-9c1e-2d5f3a6b7c8d
                  rule_id: 8b2d0f3c-5e7a-4b9c-8d2f-3e6a4b7c8d9e
                  breakdown:
                    structure: component
                    percent_fee: 2.9
                    flat_fee: 0.3
                  fee_code: card.acquiring
                  scope_level: global
                query_generated_time: 1712847600000
        '422':
          description: Validation Error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HTTPValidationError'
      security:
        - _AuthenticatedBearer: []
components:
  schemas:
    PlatformFeeQuoteRequest:
      properties:
        fee_code:
          type: string
          maxLength: 80
          minLength: 1
          title: Fee Code
          description: The fee line to price, e.g. ``ach.push`` or ``card.acquiring``.
          examples:
            - card.acquiring
        amount:
          type: number
          exclusiveMinimum: 0
          title: Amount
          description: The payment amount (major units) to price the fee against.
          examples:
            - 100
        currency:
          type: string
          maxLength: 3
          minLength: 3
          title: Currency
          description: ISO 4217 currency code.
          default: USD
          examples:
            - USD
      type: object
      required:
        - fee_code
        - amount
      title: PlatformFeeQuoteRequest
      description: >-
        Quote one fee line for an amount on the public platform API.


        The platform is taken from your credentials — you supply only the line
        and

        the amount. The quote runs the same engine real charges use, so it
        reflects

        your active **override** when one is set, otherwise the **global**
        default.
    CommonResponse:
      properties:
        status_code:
          type: integer
          title: Status Code
          description: HTTP status code for the response.
        data:
          title: Data
          description: Payload or error details.
        query_generated_time:
          type: integer
          title: Query Generated Time
          description: >-
            UTC timestamp (milliseconds since epoch) when response was
            generated.
      type: object
      required:
        - status_code
        - data
        - query_generated_time
      title: CommonResponse
      description: |-
        Standard response wrapper for single-object responses and errors.

        Generic over the payload type. A route that declares
        ``CommonResponse[SomeModel]`` gets the real ``data`` schema rendered in
        OpenAPI/Swagger; a bare ``CommonResponse`` leaves ``data`` untyped.
    HTTPValidationError:
      properties:
        detail:
          items:
            $ref: '#/components/schemas/ValidationError'
          type: array
          title: Detail
      type: object
      title: HTTPValidationError
    ValidationError:
      properties:
        loc:
          items:
            anyOf:
              - type: string
              - type: integer
          type: array
          title: Location
        msg:
          type: string
          title: Message
        type:
          type: string
          title: Error Type
      type: object
      required:
        - loc
        - msg
        - type
      title: ValidationError
  securitySchemes:
    _AuthenticatedBearer:
      type: oauth2
      flows:
        password:
          scopes: {}
          tokenUrl: /v1/platform/auth/token

````