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.

Fee invoice amount ki 1.5% hai — har invoice par ek hi flat rate, koi volume discount nahi.

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.
• Fee neeche round hoti hai asset ki sabse chhoti unit tak, isliye bahut chhote invoice par fee zero bhi ho sakti 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 lag sakti hai — abhi 0%. Har charge ki fee subscription_charged webhook ke charge.fee field mein milti hai.

Transfer limits

transfer ka per-transfer maximum $25,000 hai. Yeh US-dollar equivalent mein hai, har asset ke liye alag amount nahi. Per-transfer minimum bhi set kiya ja sakta hai, lekin abhi koi minimum nahi hai. Limit ki wajah se amount reject ho to integration mein amount_too_big handle karein; agar minimum lagu ho, to amount_too_small bhi handle karein (dono 400 hain). Jis asset ka abhi US-dollar price nahi hai, us par maximum laagu nahi hota.

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 ne TgPay Crypto kabhi khola hi 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 — iska bhi wahi 404 user_not_found aata hai.

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, har method alag gina jaata hai): 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. Rate badal sakta hai, aur purana pada constant chupchaap aapki accounting kharab kar deta hai. Har baar invoice par record ki gayi fee hi padhein.