Merchant API ki fees aur limits

Invoices par ek platform fee lagti hai jo aapko milne wali amount mein se jaati hai; transfers aur checks amount limits se bandhe hote hain. Neeche ke figures maujooda settings hain, contract terms nahi — agar yeh app mein dikhne wale figures se alag hon, to app hi sahi hai, aur sabse bharosemand source hamesha aapke apne paid invoices hain.

Invoice ki fee

Payer hamesha invoice ka face amount hi pay karta hai. Fee merchant ki taraf se jaati hai: aapka app balance utni amount se credit hota hai jo fee kaat kar bachti hai.

Volume-based tier laagu hone se pehle fee invoice amount ki 3% hai. Aapka rate configured tiers aur pichhle 30 dinon ke paid invoice volume par depend karta hai:

Number se zyada do rules maayne rakhte hain:

• Fee payment ke waqt tay hoti hai aur wahin lock ho jaati hai. Baad mein rate badalne se pehle se paid invoice ki fee nahi badalti.
• Aapka rate aapke volume ke saath badal sakta hai. Pichhle 30 din ki window mein zyada payment volume aapko apne aap kisi neeche wale tier par le ja sakta hai. Iske liye na apply karna hota hai, na kuch configure karna hota hai.

Theek-theek kitna charge hua yeh dekhne ke liye paid invoice se fee_asset aur fee_amount padhein — invoice_paid webhook payload se ya getInvoices se. Aapki books ke liye wahi authoritative figure hai.

Refunds fee wapas nahi karte: refundInvoice payer ko jo bhejta hai wo aapke balance se jaata hai, aur fee refund nahi hoti — partial refund par bhi nahi.

Subscription charges par bhi merchant-side fee lagti hai; har charge apna figure subscription_charged webhook ke charge.fee field mein batata hai.

Transfer limits

transfer par har transfer ki minimum aur maximum amount laagu hai. Yeh har asset ki alag amount ke bajaay US-dollar equivalent mein hoti hai. In limits ki wajah se amount reject ho to integration mein amount_too_small aur amount_too_big handle karein.

Payout mode allow kare to unknown username par pending payout banta hai; transfers aur checks dekhein.

Transfer in cases mein bhi fail hota hai:

• us asset mein aapka app balance kam pad jaaye,
• recipient app ka user na ho — kisi anjaan ya galat type kiye gaye Telegram ID par payout aise wallet ko credit karne ke bajaay error deta hai jise koi kabhi kholega hi nahi,
• recipient ka account blocked ho.

Daily payout limit

Owner app ki Payout settings mein pichhle 24 ghanton ki limit set kar sakta hai. Transfers, checks aur app balance se payouts isi limit mein gine jaate hain. Paar hone par 403 daily_cap_exceeded milta hai; batch ke pehle payout se pehle check hota hai. Refunds is limit mein nahi gine jaate. getMe se daily_payout_max_usd_cents aur daily_payout_spent_usd_cents milte hain.

Owner ki restrictions transfers, checks aur refunds bhi block kar sakti hain (403 verification_required); temporary pause par 503 merchant_payouts_paused milta hai.

Rate limits

Funds move karne waale methods ki rate limit per app hai (sabhi tokens mein shared): createInvoice aur createCheck 60 per minute, refundInvoice 30 per minute, transfer 30 per minute aur transferBatch 10 per minute. updateApp aur createSubscriptionPlan ki bhi limits hain; API reference dekhein. rate_limited par retry se pehle ka delay badhaayein.

Idempotency

transfer ke liye aapki banaayi spend_id zaroori hai; createCheck aur refundInvoice bhi ise accept karte hain. Wahi value aur wahi parameters dobara bhejne par funds dobara move hone ke bajaay original result milta hai — isliye timeout hui request ko usi spend_id se safely retry kar sakte hain. Sirf naye payout ko nayi ID dein.

Kya free hai

Merchant API mein network fee nahi hai — invoices, transfers aur checks sab app ke andar off-chain settle hote hain. Invoices aur subscription charges par platform fees lag sakti hain. Optional automatic swap mein exchange quote use hota hai. External wallet se payer ka wallet fund karne par us wallet ya network ki fees lag sakti hain.

⚠️ Fee khud kabhi calculate na karein

Koi percentage hardcode na karein, aur na hi face amount se net nikaalne ki koshish karein. Tiers aur rates badalte hain, aur purana pada constant chupchaap aapki accounting kharab kar deta hai. Har baar invoice par record ki gayi fee hi padhein.