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Add zero CCF note #377

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tanmay-dixit merged 1 commit into from
Dec 5, 2025
Merged

Add zero CCF note #377

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7 changes: 6 additions & 1 deletion content/payments/billpay/api-integration/paying-bills/customer-convenience-fee.mdx
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Expand Up @@ -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

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