diff --git a/content/payments/billpay/api-integration/customer-convenience-fee.mdx b/content/payments/billpay/api-integration/customer-convenience-fee.mdx index c544a566..4b28d856 100644 --- a/content/payments/billpay/api-integration/customer-convenience-fee.mdx +++ b/content/payments/billpay/api-integration/customer-convenience-fee.mdx @@ -11,7 +11,7 @@ visible_in_sidebar: true Customer Convenience Fee (CCF) is an additional charge some billers impose on top of the bill amount—essentially a fee your users pay for the convenience of digital bill payment through BBPS. -Here's what CCF looks like in biller metadata: +You'll discover CCF when calling the List Billers API, where it appears in the biller's metadata. Here's what CCF looks like in biller responses: {` { @@ -71,26 +71,44 @@ Note: The values are for illustration purposes only. { "id": "SOME00000NATC3", "name": "National Pension System", - "interchangeFeeDetails": { - "flatFee": 50, // ₹0.50 in paise - "percentFee": 0, // No percentage component - "tranAmtRangeMax": 999999999999, - "tranAmtRangeMin": 1 - } + "interchangeFee": [ + { + "feeCode": "CCF1", + "feeDesc": "Customer_Convenience_Fee", + "feeDirection": "C2B", + "interchangeFeeDetails": { + "effctvFrom": "2024-08-05", + "effctvTo": "", + "flatFee": 50, // ₹0.50 in paise + "percentFee": 0, // No percentage component + "tranAmtRangeMax": 999999999999, + "tranAmtRangeMin": 1 + } + } + ] } `} ### 4.2 HDFC NCMC Pune Metro (₹1.00 CCF) {` { - "id": "HDFC00000NATRR", + "id": "SOME00000NATRR", "name": "HDFC Bank NCMC Pune Metro", - "interchangeFeeDetails": { - "flatFee": 100, // ₹1.00 in paise - "percentFee": 0, // No percentage component - "tranAmtRangeMax": 999999999999, - "tranAmtRangeMin": 1 - } + "interchangeFee": [ + { + "feeCode": "CCF1", + "feeDesc": "Customer_Convenience_Fee", + "feeDirection": "C2B", + "interchangeFeeDetails": { + "effctvFrom": "2023-07-28", + "effctvTo": "", + "flatFee": 100, // ₹1.00 in paise + "percentFee": 0, // No percentage component + "tranAmtRangeMax": 999999999999, + "tranAmtRangeMin": 1 + } + } + ] } `} @@ -99,12 +117,21 @@ Note: The values are for illustration purposes only. { "id": "AIRT00000NATCL", "name": "Airtel Payments Bank RuPay NCMC", - "interchangeFeeDetails": { - "flatFee": 0, // No CCF charged - "percentFee": 0, // No percentage component - "tranAmtRangeMax": 9999999999, - "tranAmtRangeMin": 1 - } + "interchangeFee": [ + { + "feeCode": "CCF1", + "feeDesc": "Customer_Convenience_Fee", + "feeDirection": "C2B", + "interchangeFeeDetails": { + "effctvFrom": "2024-01-01", + "effctvTo": "", + "flatFee": 0, // No CCF charged + "percentFee": 0, // No percentage component + "tranAmtRangeMax": 9999999999, + "tranAmtRangeMin": 1 + } + } + ] } `} @@ -137,6 +164,7 @@ When CCF applies, use this formula to calculate the fee in paise: - Total debit: ₹501.18 **Example 3: Zero CCF biller (₹1500 bill)** +- Bill amount: ₹1500 (150000 paise) - CCF: flatFee = 0, percentFee = 0 - Calculation: CCF = 0 - Total debit: ₹1500 (omit custConvFee field) @@ -193,7 +221,7 @@ When CCF is zero, omit the `custConvFee` field entirely: ### 7.2 Zero CCF Handling -When calculated CCF is zero (or rounds to zero), you can omit the `custConvFee` field from your payment request. +When calculated CCF is zero, you can omit the `custConvFee` field from your payment request. ### 7.3 CCF with Payment Options