Card transaction fees
Learn about the fee structure associated with processing card payments on our platform. This guide provides a transparent overview of the different types of fees that may apply to various card transactions.
Bringing Transparency and Automation to Card Payment Fees
As of Oct 2025, MatchMove has upgraded its Card Authorization Platform to introduce a robust, transparent, and automated approach to transaction fee management. This update resolves previous limitations regarding visibility and manual processing, ensuring that partners have a clear breakdown of costs and earnings.
This guide outlines the changes to the fee model, the new automation capabilities, and the technical implementation details for developers.
Why the Change?
Previously, the platform utilized a net transaction fee computation. While functional, this "black box" approach created operational inefficiencies:
- No Breakdown: Fees were lumped together, making it impossible to distinguish between network costs, platform fees, and partner markups.
- Manual Management: Any change in network fees (e.g., by Mastercard) required manual recalculation for every single card type and program.
- Limited Visibility: Partners could not automatically extract or verify their specific markup portions.
The New Standard
The revamped model introduces granular fee attribution. Moving forward, every transaction—whether a cross-border payment or an ATM withdrawal—will feature a transparent breakdown during authorization and settlement.
The New Fee Structure
The new system moves away from a single "Net Fee" to a component-based formula.
Total Fee = Platform Fee + Partner Fee + Tax
Component Definitions
- Platform Fee: Collected by MatchMove. This component covers network costs (e.g., Mastercard fees), BIN sponsorship fees, and platform markups.
- Partner Fee: The markup collected by the Partner (your earnings).
- Tax: Applicable taxes on the computed total fee.
- Fee Types: Both platform and partner fees can consist of Fixed (flat rate) and Variable (percentage) components.
Important Note: There is no change to the total fees collected. Partners will earn the same amount as before; the only change is that the breakdown of these fees is now visible and structured.
Key Features & Benefits
1. Automated Fee Hierarchies
The platform now supports fee hierarchies (Region, Network, Partner, Card Type). This eliminates manual updates.
- Scenario: If Mastercard increases transaction fees by 0.2% for the Singapore region.
- Action: The system automatically applies this change across all Singapore programs instantly.
- New Programs: When a new card program is launched, it automatically inherits the relevant platform fee components based on its region and network.
2. Rule-Based Configuration
Fees can now be defined dynamically based on transaction attributes, including:
- Transaction Currency
- Channel (e.g., ATM, POS, E-com)
- Issuing Country
- Merchant Location
3. Enhanced Reporting
Partner earnings and fee components are automatically extracted and pushed to Adminnet 2.0 reports, APIs, and webhooks.
Technical Implementation
Rounding Logic
To ensure accuracy, fee components are rounded individually to ISO-defined currency decimals before they are summed.
Example Calculation:
- Scenario: A cross-border transaction of SGD 10.10.
- Rates: Platform Fee (1.75%), Partner Fee (1.00%).
- ISO Decimal: SGD uses 2 decimal places.
Platform Fee = 1.75% x 10.10 = 0.17675 —> SGD 0.18
Partner Fee = 1.00 x 10.10 = 0.105 —> SGD 0.11
Total Fee = 0.18 + 0.11 = SGD 0.29
Note: Minor rounding differences may occur between the "Total Fee" and the sum of unrounded components.
Webhook Updates (For Developers)
A new object additional_fee_details, has been added to Authorization, Decline, and Reversal webhooks.
JSON Structure Preview:
"additional_fee_details": [{
"cross_border_fee": {
"platform_fee": {
"fixed_fee": "0.01",
"variable_fee": "0.07",
"sub_total": "0.08"
},
"partner_fee": {
"fixed_fee": "0.01",
"variable_fee": "0.07",
"sub_total": "0.08"
}
}
}
]
Scope and Exclusions:
- Scope: The card payment fee structure discussed above is only applicable to Mastercard transactions.
- Exclusions: For the Philippine region, BancNet transactions remain unaffected (no additional platform/partner fees are permitted beyond scheme fees).
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