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|
{% extends "common/base.j2" %} {% block head_content %}
<title>{% trans %}GNU Taler Operations Fees{% endtrans %}</title>
<meta
name="description"
content="{% trans %}Information about the fees Taler does, and does not collect.{% endtrans %}"
/>
<meta
name="og:description"
content="{% trans %}Information about the fees Taler does, and does not collect.{% endtrans %}"
/>
<meta name="author" content="GNU Taler Operations" />
<script src="{{ url_static('js/toggleable.ts') }}" defer></script>
<link href="{{ url_static('scss/pages/fees.scss') }}" rel="stylesheet" />
{% endblock %} {% block body_content %}
<main
id="maincontent"
class="fess-page standard-layout-render no-x-scroll-w-fix max-w-[90vw] no-auto-width"
>
<section class="toggleable max-w-screen-xl w-[90vw]">
<h2 class="toggle-trigger" tabindex="0">
{% trans %}Wire transfer fee{% endtrans %}
</h2>
<div class="toggle-content">
<p>
{% trans %} A <b>wire fee</b> of <b>0.1 CHF</b> is charged by Taler
Operations on outgoing wire transfers when Taler is used to deposit
funds into a bank account. Merchants are encouraged to allow Taler to
delay and then aggregate many small payments into a single collective
wire transfer to minimize wire transfer fees. For example, by
configuring a <b>wire deadline</b> of one week, all payments within a
week could be aggregated into a single wire transfer, and thus the wire
transfer fee would only be charged once per week. The fee is simply
subtracted from the total amount wired. {% endtrans %}
</p>
</div>
</section>
<section class="toggleable max-w-screen-xl w-[90vw]">
<h2 class="toggle-trigger" tabindex="0">
{% trans %}Deposit fees{% endtrans %}
</h2>
<div class="toggle-content">
<p>
{% trans %} Withdrawing 5 CHF creates electronic coins with
denominations of 0.04 CHF, 0.16 CHF, 0.32 CHF,
0.64 CHF, 1.28 CHF, and 2.56 CHF. Paying 3.23 CHF
might then use the 0.04 CHF, 0.64 CHF and 2.56 CHF coins,
resulting in a total of 3.24 CHF with 0.01 CHF returned as
change. {% endtrans %}
</p>
<div
class="flex flex-col md:flex-row justify-center gap-12 mt-8 mb-16 md:mb-8"
>
<p class="flex-1">
{% trans %}
<b>Deposit fees</b> charged by Taler payment providers depend on the
electronic coins used in the transaction. Merchants can offer to pay
deposit fees up to a specified limit; customers have to pay deposit
fees that exceed what the merchant is willing to cover. Taler wallets
inform customers about applicable deposit fees they have to pay before
every transaction. {% endtrans %}
</p>
<div class="table-col flex-1 relative md:mt-0 -mt-12">
<table class="w-full">
<tr>
<th>{% trans %}Coin denomination{% endtrans %}</th>
<th>{% trans %}Fee per Coin{% endtrans %}</th>
</tr>
<tr>
<td>0.0025 CHF - 0.64 CHF</td>
<td>0.0025 CHF</td>
</tr>
<tr>
<td>1.28 CHF - 10.24 CHF</td>
<td>0.0050 CHF</td>
</tr>
<tr>
<td>20.48 CHF - 655.36 CHF</td>
<td>0.0010 CHF</td>
</tr>
</table>
<p class="opacity-50 text-sm text-center">
{% trans %} The above table shows the deposit fee structure used by
Taler Operations {% endtrans %}
</p>
</div>
</div>
<div class="flex flex-col md:flex-row justify-center gap-12">
<p class="flex-1">
{% trans %} Merchants can set the merchant backend if they want to
cover customary fees. The backend will then over-approximate typical
deposit and wire fees, ensuring that customers virtually never have to
pay deposit fees. The following curve shows the customary fees for
different net transaction amounts. {% endtrans %}
</p>
<a
href="{{ url_static('images/stefan.svg') }}"
target="_blank"
rel="noopener noreferrer"
class="flex-1 relative md:mt-0 -mt-12"
>
<img
alt="Customary fees for different net amounts"
style="width: 100%"
src="{{ url_static('images/stefan.svg') }}"
/>
</a>
</div>
</div>
</section>
<section class="toggleable max-w-screen-xl w-[90vw]">
<h2 class="toggle-trigger" tabindex="0">
{% trans %}Bounce fee{% endtrans %}
</h2>
<div class="toggle-content">
<p>
{% trans %} A <b>bounce fee</b> of <b>0.1 CHF</b> is charged by
Taler Operations to wire transfers that return funds to customers when
either the Taler wallet did not withdraw the amount after
<b>4 weeks</b>, or immediately if a wire transfer subject was used that
is missing the required code to associate a wallet with the wire
transfer. The fee is deducted from the amount transferred back to the
original account. {% endtrans %}
</p>
<p>
{% trans %} To avoid paying bounce fees payers should be careful when
entering the wire transfer subject, and ensure that their wallet is
online within a month of initiating the withdrawal. {% endtrans %}
</p>
</div>
</section>
<div class="toggleable max-w-screen-xl w-[90vw]">
<h2 class="toggle-trigger" tabindex="0">
{% trans %}Possible loss of e-money due to expiration{% endtrans %}
</h2>
<div class="toggle-content">
<p>
{% trans %} Taler eCHF is issued by Taler Operations with a
<b>1 year</b> validity period. One month before the expiration
date, you wallet should automatically exchange any eCHF that are about
to expire for new eCHF with an extended validity period. However, if
your wallet is offline for an extended period of time, it may be unable
to do so. Ensure your wallet is regularly online to avoid losing money
due to expiration! {% endtrans %}
</p>
</div>
</div>
</main>
{% endblock body_content %}
|
