PAYOUT GATEWAY
Payout Fees & Escrow Balance Locks
Understand how merchant platform fees are calculated during payout processing based on your merchant profile’s configured commission rate in CRM/database, and how escrow balances protect both merchants and vendor match queues.
Fee Calculation Flow
When initiating a payout order, the system retrieves your merchant profile’s configured commission rate (payoutCommissionRate) from your account settings in the CRM database.
The system then validates the math equation: amount_inr / amount_usdt ≈ exchange_rate (within a 0.05 margin).
Raw USDT Amount: amount_usdt = amount_inr / exchange_rate
Merchant Commission Rate: rate = merchant.payoutCommissionRate
Platform Payout Fee: fee_usdt = amount_usdt * (rate / 100)
Total Escrow Lock Debit: net_debit_usdt = amount_usdt + fee_usdt
Merchant Balance Locking Rules
To ensure guaranteed payment delivery, the total debit value (net_debit_usdt) is immediately deducted from your merchant's availableBalance and placed into lockedBalance upon request creation.
•
On Order Success / Fulfillment: The locked amount is permanently deducted from
balance and lockedBalance.•
On Order Rejection / Cancellation: The locked funds are released from
lockedBalance back into your merchant availableBalance immediately.