> For the complete documentation index, see [llms.txt](https://yapp.gitbook.io/yapp-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yapp.gitbook.io/yapp-docs/transaction-and-payment-gateway-fee.md).

# Transaction and Payment gateway fee

## Platform Fee (4-5%):

Yapp charges a small platform fee of 4–5% per transaction, with the exact rate depending on whether you sign up directly or through a referral/agency

* Flexible Platform Fee Split:

  Creators can configure how this fee is shared between them and their fans using a slider in their settings.

  For example:

  * 2% paid by the fans, 2% covered by the creator. (if platform fee is 4%).
  * Or 3% fans, 1% creator, up to their preference.
  * Fully paid by fans.
  * Fully absorbed by creators.

## Payment Gateaway Fee

| Payment method | Fee      | Minimum Transaction |
| -------------- | -------- | ------------------- |
| VA Mandiri     | IDR 3500 | IDR 10.000          |
| VA BNI         | IDR 3500 | IDR 10.000          |
| VA BRI         | IDR 3500 | IDR 10.000          |
| VA CIMB        | IDR 3500 | IDR 10.000          |
| VA Permata     | IDR 3500 | IDR 10.000          |
| QRIS           | 1%       | IDR 10.000          |
| Credit Card    | 6-7%     | IDR 500.000         |

Platform Fee Handling:

Creators can also decide how the payment gateway fees are handled:

* Fully paid by fans.
* Fully absorbed by creators.

#### 🛍️ Digital Product Sales

You can adjust:

* How the 4% Yapp transaction fee is split between you and your fans.
* Who covers the payment gateway fee (QRIS, bank transfer, or credit card).

***

#### 💸 What This Means (Example with IDR 100,000 Product)

**✅** 

**Default Setting**

* Product price: IDR 100,000
* Yapp Fee Split: 1% (Creator), 3% (Fans)
* Payment Gateway Fee: Paid by Fans (QRIS: 1%)

Fan Pays = 100,000 + 3% (Yapp) + 1% (QRIS) = IDR 104,000

Creator Receives = 100,000 - 1% (Yapp) = IDR 99,000

***

**Scenario A – Creator Covers All Fees**

* Yapp Fee Split: 4% (Creator), 0% (Fans)
* Payment Gateway Fee: Paid by Creator (QRIS: 1%)<br>

Fan Pays = IDR 100,000 (flat)

Creator Receives = 100,000 - 4% (Transaction Fee) - 1% (QRIS) = IDR 95,000

***

**Scenario B – Fans Cover All Fees**

* Transaction Fee Split: 0% (Creator), 4% (Fans)
* Payment Gateway Fee: Paid by Fans (Credit card: 3%)<br>

Fan Pays = 100,000 + 4% (Transaction fee) + 3% (CC) = IDR 107,000

Creator Receives = IDR 100,000 (full)

***

#### 💖  Tips<br>

You can also adjust how the fees are handled for tips:

* Split the 4% Yapp tip fee between you and your fans.
* Decide who pays the payment fee (e.g., IDR 3,500 for bank transfer, 3% for credit card, etc.).<br>

Example: Fan tips IDR 100,000

* Default = 4% (charged to fan), gateway fee also charged to fan
* Fan Pays = 100,000 + 4% + payment fee
* You Receive = IDR 100,000


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