Alipay, WeChat Pay and USDT Fees on a ¥100 Order
Work through a ¥100 order across three channels and see how the fee bearer changes buyer total and merchant income.
Price two ¥50 licenses as one ¥100 order. Before comparing channels, check the rate assigned to the store and the fee bearer selected for this product. These illustrative rates are examples for arithmetic; use the payment record for a real sale.
| Channel | Example rate | Fee | Seller receives if seller pays | Buyer total if buyer pays |
|---|---|---|---|---|
| Alipay | 1.0% | ¥1.00 | ¥99.00 | ¥101.00 |
| WeChat Pay | 1.5% | ¥1.50 | ¥98.50 | ¥101.50 |
| USDT | 2.0% | ¥2.00 | ¥98.00 | ¥102.00 |
Reconcile a payment
Multiply the item subtotal by the channel rate and round to the nearest fen. An unset channel inherits the merchant rate; an explicit zero produces a zero fee. If the merchant pays, the buyer pays ¥100 and the fee reduces merchant income. If the buyer pays, merchant income stays at ¥100.
A buyer may switch channels before paying. Match the successful payment to the order and retain its recorded fee and income, even if you later change your rates. The USDT row compares the yuan-denominated order value. Read the token amount, network and conversion rate from the payment instructions. Account for withdrawal fees separately. Kamai assesses the merchant’s business category to determine the settlement cycle (T0, T1 or T7). See the settlement and withdrawal rules.
Frequently asked questions
Where do I find the historical rate?
Check the payment that succeeded for that order.
