Skip to main content

Documentation Index

Fetch the complete documentation index at: https://docs.getplu.com/llms.txt

Use this file to discover all available pages before exploring further.

​
Fee Model

PLU Card API uses a two-layer fee model:
  1. Platform fees — charged by PLU to your wallet for operational costs
  2. Partner markup — fees you configure to charge your end users, credited to your markup balance

​
Platform Fees

These are deducted from your wallet balance when operations occur:
OperationDescription
User KYCCharged when creating a new user
Card CreationCharged when creating a new card
Card FundingCharged when funding a card
Card WithdrawalCharged when withdrawing from a card
TransactionCharged per card transaction
Cross-border (Individual)FX fee for non-US transactions
Cross-border (Business)FX fee for non-US transactions
Platform fees may be customized per partner. Contact support for custom pricing.

​
Partner Markup

You can configure markup fees on four operation types. These are charged to the end user’s card balance and credited to your markup balance.
Markup TypeApplied ToFormat
FundingFund amountFlat ($) or percentage (%)
WithdrawalWithdrawal amountFlat ($) or percentage (%)
TransactionTransaction amountFlat ($) or percentage (%)
Cross-border (FX)Transaction amountFlat ($) or percentage (%)
FX markup is calculated on the transaction amount, not on the platform’s FX fee.

​
Example: $100 Cross-Border Transaction

With 1% transaction markup and 0.5% FX markup configured:
FeeCalculationAmountCharged To
Platform transaction fee$100 x 1%$1.00Card balance
Partner transaction markup$100 x 1%$1.00Card balance -> Markup balance
Platform FX fee100x1100 x 1% + 0.30$1.30Card balance
Partner FX markup$100 x 0.5%$0.50Card balance -> Markup balance
Total fees$3.80
Your markup earnings$1.50

​
Webhook Fee Fields

Transaction webhooks include combined fee amounts:
  • transactionFee — Platform fee + your transaction markup combined
  • fxFee — Platform FX fee + your FX markup combined (cross-border only)
You can reconcile the split using your markup configuration and transaction records.

​
Markup Balance

Markup earnings accumulate in a separate markup balance on your wallet, independent of your operational balance. This prevents markup earnings from being accidentally spent on card operations.

​
Configuring Markup

Configure your markup fees via the partner dashboard under Settings > Fees. Each markup type accepts:
  • Type: percentage or flat
  • Value: The markup amount (percentage value or flat dollar amount)
Setting a markup to 0 or removing it disables that markup type.