Fee Configuration

Eclipse's fee engine covers two distinct billing relationships and a suite of configuration approaches:

Layer	Direction	Configured By
Retail fees	Tenant → end customer	Tenant admin or operator
Wholesale fees	Operator (institution) → tenant	Operator

Retail Fee Options

Retail fees are the charges a tenant levies on their customers for transactions and services.

Approach	When to use
Self-service simple fees	Fixed, percentage, or combined fees on standard transaction types — configured directly in the admin portal without code
Advanced retail fees	Tiered models, inter-wallet-type fees, monthly wallet fees, KYC fees, complex fee splits, and event-triggered charges — configured via Javassist logic
Session-based transfer	Recover fees when wallet balance is insufficient at the time of charge, by creating reservations that settle when funds arrive
Card-specific fees	Per-transaction-type fees and limits for card operations (purchase, ATM, pre-auth, cashback, etc.)

Wholesale Fee Options

Wholesale fees are the charges an operator levies on tenants for platform usage.

See Wholesale Fees for the full configuration guide including Javassist templates, fee splits across suspense wallets, and automated fee withdrawal scheduling.

Fee Collection and Withdrawal

All fees — retail and wholesale — are collected in real time into system wallets (suspense accounts). These can be:

Withdrawn manually via the admin portal
Automatically swept to a nominated bank account on a schedule via the eclipse.system.wallet.eftout.config property