# Gateway fees

Every gateway charges a fee per sale. For [Finance](/en/finance/) to show the real
profit, it takes that fee off each sale. Fees are in **Settings > Payments**, on
the card of each active gateway, in the **Fees for Finance** block (click to open
it).

![The Mercado Pago Fees for Finance block, with the fee of each payment method](shots/payments-fees.webp)

> [!NOTE]
> The block only shows with the Finance module on. Fees do not change what the
> player pays or what the gateway charges: they are only for Finance's numbers.

## Confirm the fees

1. Open **Fees for Finance** on the gateway's card.
2. Each gateway comes filled with its public table, in the store currency. For
   each payment method there is the percentage on the order amount and the fixed
   amount per order.
3. Check it against your contract. A negotiated contract changes the numbers.
4. In **Applies to**, pick:
   - **All sales, including past ones**: fixes the history too;
   - **Sales from**: keeps the old fee on sales before the date.
5. Click **Confirm fees**.

Until you confirm, the block shows **Not confirmed**, that gateway's sales show in
Finance with no fee taken off, and the Finance overview warns you, with a link
that opens the right gateway.

## Example

A R$ 50.00 credit card sale, with a fee of 4.98% + R$ 0.00:

```text Calculation
fee = 50.00 × 4.98% + 0.00 = 2.49
Finance counts: revenue 50.00, gateway fee 2.49
```

The discount shows as **Gateway fees** on the overview and in Entries, and goes
into the profit, the margin per product, the budgets and the forecast.

## What changes per gateway

| Gateway | What to know |
| --- | --- |
| Mercado Pago | Pick the same payout term as your account (**Receive right away**, **in 14 days** or **in 30 days**), found under fees and installments on the Mercado Pago site |
| Stripe | The checkout does not say whether the sale was by card, Pix or boleto: all use the card fee |
| PayPal | The real fee of each sale comes from reconciliation, when available |
| PicPay | Does not report the fee of each sale: always uses the table. The Pix fee comes blank for you to fill in |

> [!TIP]
> On Mercado Pago, Stripe and PayPal, when [Reconciliation](/en/finance/reconciliation/)
> reads the real fee of a sale, it replaces the table. The table still applies to
> sales not yet reconciled.

## A gateway that is off

A gateway that is off and never sold does not show the block and appears only as
Inactive in **Finance > Settings**. If it already sold, the block stays on the
card, because the old sales still use the table, and it says how many sales have
no fee.