> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Fees
> Fees orchestrated and automated by the Synctera system.
## Setup Overview
For fees automated by the Synctera system, you need to go through the following steps in the Synctera Console:
1. Create a Fee Template: Defines the Fee transaction subtype and the offsetting internal account
2. Create a Fee Rule: Defines when and how the fee should be applied
3. Create a Fee Product: Add the fee to a Fee Product
4. Add Fee Product to Account Template: By adding the Fee Product to the Account Template, you ensure that the fee is applied to all accounts created using this template
In this guide, you will walk through the steps to set up a 3% transaction fee for cross-border card transactions.
### Note
These automated fees are distinct from fees that are charged by networks or operators as part of transactions. For example, ATM withdrawal fee charged by an ATM operator comes through as part of the card network posting, whereas you could set up an issuer fee for ATM withdrawals using this automated fee functionality.
### 1. Create a Fee Template
First, create a fee template for the cross-border card transaction fee. To do this, navigate to *Operations > Fees*, select the *Templates* tab and click on the *New Template* button in the upper right corner. Then fill in the information for your template.
* `Amount` is not required on automated fees as it is defined on the Fee Rule
* The `Subtype` is used as the transaction description on Account Statement / Transaction List.
### 2. Create a Fee Rule
Next, navigate to the *Rules* tab and click on the *New Rule* button in the upper right corner to create a Fee Rule and link to the template you created in step 1.
* The key element of the fee rule is the **Fee Category**, which defines to which transaction the fee should be applied. For cross-border transactions, select Fee Category “Cross Border Transaction” from the dropdown. All Fee Categories that are currently supported are shown in the next subsection. Then select the Home Country Code to link to this category. For BINs issued in the US, the home country code should always be set to United States of America, which means that card transactions whose merchant or POS country differs from this code are treated as foreign and trigger the fee.
* Specify the **Amount Type**. This can be a fixed amount, a percentage of the transaction amount or tiered by transaction amount. For the 3% cross-border fee, select “Percentage” and set it to 3%.
* Link the rule to a Fee Template - this ensures that the correct transaction subtype and offsetting account are used when the fee is posted. For the cross-border fee, use the template created in step 1.
* Specify whether the fee should be assessed on authorization rather than clearing. All card transaction fees are typically assessed on authorization, otherwise there is a risk that the fee posting may result in the account being overdrawn.
* Finally, specify whether the fee should be reversed if the original transaction is reversed.
#### Supported Fee Categories
The fee categories that are currently supported include:
* Fee categories for incoming ACH and ACH returns
* Fee categories for incoming and outgoing wires (domestic/international)
* Fee categories for card transactions:
* ATM Withdrawals
* Cash advance based on pre-defined Merchant Category Codes (MCCs):
* Financial Services (MCC 4829 - Money Orders / Wire Transfers; MCC 6012 — Financial Institutions (Merchandise & Services); MCC 6538 — Funding Transactions)
* Gaming and Betting (MCCs 7800-7802 - Government Lotteries/Casinos; MCC 7995 - Betting & Casino Gambling)
* Quasi Cash (MCCs 6050-6051 - Quasi-Cash (Financial & Non-Financial Institutions))
* Foreign Transactions (Cross Border)
### 3. Create a Fee Product
Once you have created a Fee Rule, add it to a Fee Product that you link to the Account Template. To create a Fee Product, navigate to the *Fee products* tab and click on the *New Product* button in the upper right corner.
* See below example for a Fee Product utilizing the cross-border fee rule created in step 2.
* You can add multiple Fee Rules to the same product to bundle multiple fee rules into reusable packages (e.g., Basic vs Premium). This is shown in the example below.
### 4. Add Fee Product to Account Template
The final step to ensure that the fee is applied automatically to a transaction on an account is to link the Fee Product to the Account Template. Consequently, all accounts created using that template inherit all the fee rules that are bundled into the linked product at the time of account creation. Any changes made to the linked product will apply to all accounts using that fee product.
To add the Fee Product created in step 3 to an account template, navigate to *Accounts > Templates* and select the Account Template you want to add the Fee Product to. At the bottom of the form, you can select your Fee Product from the Fee Product dropdown.
## Viewing Applied Fees
### Fee Products on Account
If a Fee Product has been applied to an account, it can be viewed in the *Fees* tab on the account. Example:
### Fee Triggering Transaction
If a transaction triggered a fee, the fee is shown on the *Transaction Details*. Example:
