# Payout calculator

> Work out the platform fee, the SST on it and the amount you receive for a sale, for each Bayarcash payment channel.
>
> Source: https://docs.bayarcash.com/payout-calculator/

Use this calculator to see how much you receive from a sale after the Bayarcash platform fee and SST.

## How the amount is calculated

1. The platform fee is the percentage fee on the sales amount plus the fixed fee.
2. SST is 8% of the platform fee.
3. You receive the sales amount minus the platform fee and the SST.

Bayarcash rounds the fee and the SST to the nearest sen.

## Standard fees by payment method

| Payment method | Fee | Settlement |
|---|---|---|
| **Online banking** | | |
| FPX personal banking (B2C) | RM 1.00 | T+2 |
| FPX business banking (B2B) | RM 2.00 | T+2 |
| FPX Line of Credit (CCA): Malaysian credit card account | RM 1.00 + 1.00% | T+2 |
| **Recurring** | | |
| Direct Debit: enrolment, maintenance or termination (by FPX) | RM 1.00 | T+2 |
| Direct Debit: each deduction | RM 1.50 | T+2 |
| **Cards** (apply separately) | | |
| Malaysian credit card (Visa, Mastercard) | 1.50% | T+2 |
| Overseas credit card (Visa, Mastercard) | 3.50% | T+2 |
| Debit card (MyDebit) | 1.00% | T+2 |
| **DuitNow QR (online and at the counter)** | | |
| DuitNow QR | 1.60% | T+2 |
| Cross-border QR (NETS, QRIS, PromptPay, Alipay, WeChat Pay) | 1.60% | T+2 |
| **E-wallets** (apply separately) | | |
| Touch 'n Go eWallet | 1.50% | T+2 |
| GrabPay | 1.50% | T+2 |
| Boost Wallet | 1.50% | T+2 |
| ShopeePay | 1.50% | T+2 |
| **Buy now, pay later** (apply separately) | | |
| Boost PayFlex | 1.50% | T+2 |
| PayLater by Grab | 1.50% | T+2 |
| SPayLater | 1.50% | T+2 |

Bayarcash settles every payment method on a T+2 basis. See [Payout settlement schedule](/payout-schedule/).

Bayarcash charges the Direct Debit deduction fee for each deduction, successful or not. It charges the enrolment, maintenance and termination fee only when the bank verification is successful. For the channels marked **Apply separately**, apply to Bayarcash before you can use them.

Bayarcash charges these fees, and the fees can change. To see when the money reaches your bank, read [Payout settlement schedule](/payout-schedule/).

## Common issues

### Is SST charged on my sale?

No. Bayarcash charges SST at 8% on the platform fee only, not on the sales amount.

### Are these the fees on my account?

They are the standard rates. Your agreement with Bayarcash can have different rates. If you are not sure, contact the Bayarcash team.