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

# Fintech & Payments

> Transaction fees, interchange, and BaaS billing models

Fintech companies have unique billing needs: transaction-based fees, interchange revenue sharing, tiered pricing based on volume, and complex fee structures.

***

## Common Fintech Pricing Models

| Model                  | How It Works                  | Best For                   | Examples                 |
| ---------------------- | ----------------------------- | -------------------------- | ------------------------ |
| **Percentage + Fixed** | 2.9% + \$0.30 per transaction | Payment processing         | Stripe, Square           |
| **Interchange Plus**   | Interchange fee + markup      | High-volume merchants      | Adyen, Checkout.com      |
| **Tiered Volume**      | Lower rates at higher volumes | Growing businesses         | Most merchant acquirers  |
| **BaaS Revenue Share** | 70/30 split on interchange    | Embedded finance, neobanks | Treasury Prime, Synctera |
| **Platform Fee**       | Monthly fee + per-transaction | Payment platforms          | Stripe Connect           |

***

## Recommended Alguna Setup

<Steps>
  <Step title="Create transaction-based products">
    Navigate to **Products** → **Add Product**

    * Create a metered product for "Payment Processing"
    * Set pricing as percentage (2.9%) + fixed fee (\$0.30)
    * Create tiered pricing for volume discounts
  </Step>

  <Step title="Set up usage metering">
    Navigate to **Billable Metrics** → **Create Metric**

    * Metric: "Transaction Volume" — Sum of transaction amounts
    * Metric: "Transaction Count" — Count of transactions
    * This tracks total payment volume for percentage-based billing
  </Step>

  <Step title="Configure monthly settlement">
    * Bill monthly in arrears (after transactions occur)
    * Generate detailed statements showing transaction counts and volumes
    * Support net settlement (fees deducted from payouts) or gross billing
  </Step>

  <Step title="Build volume-based tiers">
    Create pricing tiers that reward growth:

    * $0 - $50K/month: 2.9% + \$0.30
    * $50K - $250K/month: 2.5% + \$0.25
    * $250K+/month: 2.2% + $0.20
  </Step>

  <Step title="Set up partner revenue sharing">
    For BaaS/embedded finance: track interchange revenue and automate the 70/30 split with banking partners using separate invoices or credits.
  </Step>
</Steps>

***

## Billing Flow

```mermaid theme={null}
flowchart LR
    A[Merchant Processes Payments] --> B[Transactions Logged]
    B --> C[Daily/Weekly Aggregation]
    C --> D[Apply Tiered Pricing]
    D --> E[Monthly Statement]
    E --> F{Settlement Type}
    F -->|Net| G[Deduct from Payouts]
    F -->|Gross| H[Invoice Merchant]
```

***

## Transaction Fee Structures

### Simple Percentage + Fixed

Best for: Payment facilitators, marketplaces

| Component                      | Amount                 |
| ------------------------------ | ---------------------- |
| Percentage fee                 | 2.9% of transaction    |
| Fixed fee                      | \$0.30 per transaction |
| **Example**: \$100 transaction | $2.90 + $0.30 = \$3.20 |

### Interchange Plus

Best for: High-volume merchants who want transparency

| Component                     | Amount                       |
| ----------------------------- | ---------------------------- |
| Interchange (to card issuer)  | 1.5% - 2.5% (varies by card) |
| Network fee (Visa/Mastercard) | 0.10% - 0.15%                |
| Your markup                   | 0.25% - 0.50%                |
| **Total**                     | \~2.0% - 3.0%                |

***

## Key Features to Configure

<CardGroup cols={2}>
  <Card title="Billable Metrics" icon="chart-line" href="/billable-metrics/define-metrics">
    Track transaction volumes and counts.
  </Card>

  <Card title="Tiered Pricing" icon="layer-group" href="/pricing/pricing-models">
    Set up volume-based pricing tiers.
  </Card>

  <Card title="Usage Metering" icon="gauge" href="/billable-metrics/send-usage">
    Ingest transaction events in real-time.
  </Card>

  <Card title="Invoicing" icon="file-invoice" href="/invoices/invoicing-config">
    Generate detailed monthly statements.
  </Card>
</CardGroup>

***

## API Reference

<CardGroup cols={2}>
  <Card title="Ingest Events" icon="upload" href="/api-reference/events/ingest">
    Send transaction events to Alguna.
  </Card>

  <Card title="Invoices API" icon="file-invoice" href="/api-reference/invoices/list">
    Generate and retrieve invoices.
  </Card>

  <Card title="Webhooks" icon="webhook" href="/api-reference/webhooks">
    Get notified of payment events.
  </Card>

  <Card title="Customers API" icon="users" href="/api-reference/customers/create">
    Create and manage merchant accounts.
  </Card>
</CardGroup>

***

## Related Quick Starts

<CardGroup cols={3}>
  <Card title="Hybrid Motion" icon="arrows-split-up-and-left" href="/quickstarts/hybrid-motion">
    Self-serve for SMB, sales for enterprise merchants.
  </Card>

  <Card title="Finance & Billing Ops" icon="calculator" href="/quickstarts/finance-ops">
    AR, settlements, and revenue recognition.
  </Card>

  <Card title="Developers" icon="code" href="/quickstarts/developers">
    API integration for transaction ingestion.
  </Card>
</CardGroup>

<Card title="← Back to Quick Starts" icon="arrow-left" href="/quickstarts/overview">
  See all quick start guides
</Card>