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Quick answer
Our fees are charged per transaction and vary according to the type of operation (domestic, global).
Transaction Fees
Fees and Payment Timeframes
1. Our Fee Structure
Our fees are charged per transaction and vary according to the type of operation (domestic, global).
Sales Type | Percentage Fee | Fixed Fee |
|---|---|---|
Sales in Brazil (Pix) | 5.99% | R$ 1.50 per transaction |
International Sales (Card) | 9.90% | USD 0.50 per transaction |
2. Payment Timeframes (Balance Availability)
The timeframe for your sales balance to be released to your Mundpay account varies depending on the payment method and account type (Business or Individual).
Fixed Timeframes by Payment Method
- Pix Receipt, Balance available on the same day of the transaction (D+0).
- Bank Slip (Boleto) Receipt, Balance available in 1 business day after clearance (D+1).
- Credit Card Receipt, Balance available within 3 business days.
Timeframes by Account Type (D+X Count)
Initial timeframes (D+X, where X is the number of days) are adjusted based on operation performance and risk.
Account Type | Initial Timeframe | Maximum Achievable Timeframe | Optimization Criteria |
|---|---|---|---|
Business Account (PJ) | Starts at D+7 | Can reach D+3 | After 7 days of transactions, we evaluate operation risk, chargeback rate, and refund rate. |
Individual Account (PF) | Starts at D+15 | Can reach D+7 | After 7 days of transactions, the timeframe is re-evaluated based on risk, chargeback, and refund criteria. |
Standard Retention Policy
- Retention, We apply a standard retention of 15% of the transaction value for a period of 60 days.
- Purpose, This retention is a preventive security measure. The retained amount is intended to cover potential chargebacks and refunds that may occur within the period, ensuring the integrity and stability of your account.
Understand How Mundpay Fees Work in Practice
Understanding how transaction fees and retention policy are applied is essential to calculate your profit margin. Mundpay's fee is composed of a percentage value and a fixed value per transaction, plus security retention.
1. Fee Structure per Transaction
Sales Scenario | Percentage Fee | Fixed Fee |
|---|---|---|
Sales in Brazil (Pix and Bank Slip) | 5.99% | R$ 1.50 |
International Sales (USD/EUR) | 9.90% | USD 0.50 |
Sales in Brazil (Credit Card)
| Awaiting Confirmation | Awaiting Confirmation |
2. Let's see how it works in practice?
Let's simulate a sale of R$ 200.00 in Brazil (considering Pix or Bank Slip).
- 1. Percentage Fee (5.99%), R$ 200.00 x 5.99% = R$ 11.98
- 2. Fixed Fee, R$ 1.50
- 3. Total Fees, R$ 11.98 + R$ 1.50 = R$ 13.48
Net Sale Value (Before Retention). R$ 200.00 - R$ 13.48 = R$ 186.52
3. Application of Security Retention
On the total sale value, a temporary retention is applied, which ensures the stability of your account against chargebacks and refunds.
- Standard Policy, 15% of the transaction value, retained for 60 days.
Retention Calculation (15%). R$ 200.00 x 15% = R$ 30.00
4. How You Receive the Money
Your payment is divided into two moments.
Moment | Value in Example (R$ 200.00) | When It Occurs |
|---|---|---|
Immediate Transfer (D+X) | R$ 156.52 (R$ 186.52 - R$ 30.00) | Released according to your account timeframe (D+3, D+7, etc.). |
Release of Retention | R$ 30.00 | Released after 60 days, if there are no disputes or refunds. |
The final total value you receive for the sale of R$ 200.00 is R$ 186.52, with R$ 156.52 paid upfront and R$ 30.00 after 60 days.
Updated on, 18/11/2025
Comparing the fee alone hides what matters. A lower fee with worse approval costs considerably more when the month closes.
Wellington VicenteGlobal Payments Specialist
FAQ: Frequently asked questions on transaction fees
What is the transaction fee charged by Mundpay?
The fee consists of a percentage value plus a fixed value per transaction and varies based on the sales scenario. For sales in Brazil via Pix and boleto, it is 5.99% plus R$ 1.50 per transaction. For international sales in dollars or euros, it is 9.90% plus USD 0.50 per transaction. The line for sales in Brazil with credit card is listed as awaiting confirmation on the official table.
Do fees vary based on product type?
Yes, fees can vary based on the type of product sold. Digital products such as courses, ebooks, and subscriptions may have different fees than physical products. High-risk products may have higher fees applied to them.
Your margin is my opportunity.
Is there an additional fee for international payments?
Yes, international payments may have additional currency conversion fees. The fee is charged on the dollar or foreign currency amount to cover exchange and international processing costs.
How are fees deducted from my sales?
Fees are automatically deducted from the total sale value. You receive only the net amount (sale value minus the fee) in your account. This deduction is clearly shown in your sales statement.
Is there a discount on fees for high volume?
Mundpay may offer special conditions for partners with high transaction volumes. Contact support or your account manager to negotiate reduced fees based on your sales volume and growth projections.
Do fees include currency conversion?
Not necessarily. The transaction fee is charged on the value, and currency conversion (if applicable) may have additional costs. The total cost depends on the payment method and currency used.
Is there a separate charge for chargeback or refund?
The transaction fee table shows the percentage and fixed value per transaction, not a separate charge for disputes. What covers chargeback and refund is the security hold: 15% of the transaction value is held for 60 days. After that period with no disputes or refunds, the held amount is released. For example, on a R$ 200.00 sale, R$ 30.00 is held.
The fee is only part of the cost. What decides how much is left is the fee together with approval: two more points of approval are worth more than half a point off the fee.
Wellington VicenteGlobal Payments Specialist
In short
Transaction Fees: Our fees are charged per transaction and vary according to the type of operation (domestic, global).
