From 9a599cc7820deb5b8ae39294ee6ee9e6cfd90f26 Mon Sep 17 00:00:00 2001
From: Tanmay Dixit <38494039+tanmay-dixit@users.noreply.github.com>
Date: Fri, 5 Dec 2025 11:56:32 +0530
Subject: [PATCH] add zero CCF note

---
 .../paying-bills/customer-convenience-fee.mdx              | 7 ++++++-
 1 file changed, 6 insertions(+), 1 deletion(-)

diff --git a/content/payments/billpay/api-integration/paying-bills/customer-convenience-fee.mdx b/content/payments/billpay/api-integration/paying-bills/customer-convenience-fee.mdx
index 4071d2c6..2eb26fd6 100644
--- a/content/payments/billpay/api-integration/paying-bills/customer-convenience-fee.mdx
+++ b/content/payments/billpay/api-integration/paying-bills/customer-convenience-fee.mdx
@@ -139,7 +139,12 @@ Note: The values are for illustration purposes only.
 
 ### 5.1 Detection Logic
 
-First, identify billers that charge CCF by looking for specific entries in the `interchangeFee` array which have `feeCode: "CCF1"` and `feeDirection: "C2B"`.
+Look for `CCF1` + `C2B` entries in the `interchangeFee` array. Zero CCF has two forms, **check for both**:
+
+1. **Missing** - No `CCF1`/`C2B` entry at all → Zero CCF
+2. **Present but inactive** - Entry exists with `flatFee: 0` AND `percentFee: 0` → Zero CCF
+
+If either is true, you may omit `custConvFee` from your payment request. If a `CCF1`/`C2B` entry exists with any non-zero fee, calculate the CCF using the formula in section 5.2.
 
 ### 5.2 CCF Calculation Formula