Fees & Amounts
The amount you send in Initialize a Transaction is the price of the order — the number your business cares about. It is not always the number the customer sees on the checkout page, and depending on your settings, it may not be the number you're settled either.
Why checkout can show a higher amount
Echezona applies a convenience fee to cover transaction processing costs. Who pays it is controlled by Fee Responsibility, a setting you control yourself from your dashboard:
Dashboard > Settings > Preferences > Fee Responsibility
| Option | What the customer pays at checkout | What you're settled |
|---|---|---|
| Charge Customer | amount + fee | The full amount you sent |
| I'll bear the charges | amount (no markup shown) | amount minus the fee |
For example: with Charge Customer selected, if you send amount: 122100, the checkout page may display 122200 (a 100 fee added). You don't need to calculate or include this fee yourself — it's applied automatically based on whichever option you've selected.
This is a per-merchant, self-service setting — not something you need to contact support for. If checkout amounts don't match what you expect, check Settings > Preferences > Fee Responsibility first.
Fields that describe this
Get Payment Details returns the breakdown:
| Field | Description |
|---|---|
amount | The original amount you sent on Initialize. |
convinienceFee | The fee amount added at checkout. |
isChargeTransferedToCustomer | true if the customer pays amount + fee; false if you absorb the fee out of amount. |
totalAmount | What's actually charged, given the current payment method. |
totalAmount_Card / totalAmount_Transfer / totalAmount_USSD | The total per payment method, since the fee can differ by channel. |
What you're settled
The amount reported back to you — in the webhook payload and via Fetch Transaction Status — is never the fee-inclusive checkout total the customer may have seen. Whether it's the full amount you sent or amount minus the fee depends on your Fee Responsibility setting above. If you're unsure which applies to a given transaction, check convinienceFee and isChargeTransferedToCustomer on Get Payment Details rather than assuming.