Fees & Markup - PLU Card API

Fee Model

PLU Card API uses a two-layer fee model:

Platform fees — charged by PLU to your wallet for operational costs
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:

Operation	Description
User KYC	Charged when creating a new user
Card Creation	Charged when creating a new card
Card Funding	Charged when funding a card
Card Withdrawal	Charged when withdrawing from a card
Transaction	Charged 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 Type	Applied To	Format
Funding	Fund amount	Flat ($) or percentage (%)
Withdrawal	Withdrawal amount	Flat ($) or percentage (%)
Transaction	Transaction amount	Flat ($) or percentage (%)
Cross-border (FX)	Transaction amount	Flat ($) 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:

Fee	Calculation	Amount	Charged To
Platform transaction fee	$100 x 1%	$1.00	Card balance
Partner transaction markup	$100 x 1%	$1.00	Card balance -> Markup balance
Platform FX fee	$100 x 1% +$ 0.30	$1.30	Card balance
Partner FX markup	$100 x 0.5%	$0.50	Card 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.

​Fee Model

​Platform Fees

​Partner Markup

​Example: $100 Cross-Border Transaction

​Webhook Fee Fields

​Markup Balance

​Configuring Markup

Fee Model

Platform Fees

Partner Markup

Example: $100 Cross-Border Transaction

Webhook Fee Fields

Markup Balance

Configuring Markup