Accept payments
Pricing and fees
What a payment and a refund cost, when a fee is charged, worked examples and the fee fields of the API.
Raïs charges a fee on each paid payment and on each refund, and nothing else: no subscription, no setup fee, no fee on a payment that fails, and no fee on a withdrawal. Every figure on this page excludes VAT (HT, hors taxes). The public prices, with a calculator, are on the pricing page.
The price list
| SATIM | Raïs | Total | |
|---|---|---|---|
| A payment | 0.7% of the amount, never less than 10.00 DA and never more than 300.00 DA | 0.3% of the amount, with no minimum and no maximum, on top of SATIM's | Both added |
| A refund | 8.00 DA | 2.00 DA | 10.00 DA, whatever the amount |
A payment therefore costs about 1% of its amount for an ordinary amount: SATIM's 0.7% plus Raïs's 0.3%. SATIM's minimum makes the smallest payments cost more in proportion: the minimum payment, 50.00 DA, costs 10.15 DA.
How a fee is worked out
Fees are whole centimes, worked out with integers (never floating point): a percentage is a number of basis points, and the share of an amount is (amount × basis points + 5000) ÷ 10000, a half rounded up. SATIM's part is 70 basis points, kept between 10.00 DA and 300.00 DA; Raïs's is 30 basis points. A fee never exceeds the amount it is taken from: SATIM's part is taken first.
Examples
| Amount | SATIM | Raïs | Total fee | You receive |
|---|---|---|---|---|
| 50.00 DA | 10.00 DA | 0.15 DA | 10.15 DA | 39.85 DA |
| 1,000.00 DA | 10.00 DA | 3.00 DA | 13.00 DA | 987.00 DA |
| 5,000.00 DA | 35.00 DA | 15.00 DA | 50.00 DA | 4,950.00 DA |
| 10,000.00 DA | 70.00 DA | 30.00 DA | 100.00 DA | 9,900.00 DA |
| 50,000.00 DA | 300.00 DA | 150.00 DA | 450.00 DA | 49,550.00 DA |
| 100,000.00 DA | 300.00 DA | 300.00 DA | 600.00 DA | 99,400.00 DA |
| 500,000.00 DA | 300.00 DA | 1,500.00 DA | 1,800.00 DA | 498,200.00 DA |
At 1,000.00 DA SATIM's minimum applies: 0.7% would be 7.00 DA, so SATIM's part is 10.00 DA. At 50,000.00 DA its maximum applies: 0.7% would be 350.00 DA, so SATIM's part is 300.00 DA, while Raïs's part keeps growing with the amount.
A refund costs 10.00 DA (8.00 DA for SATIM and 2.00 DA for Raïs) whether it refunds 1.00 DA or 50,000.00 DA.
When a fee is charged
| What happens | What it costs |
|---|---|
| A payment is paid | Its fees are charged, once, when it is paid. They are set on the payment (fees, net) and, for a live payment, taken from your balance as a separate line of your ledger. |
| A payment fails, is declined, expires or is cancelled | Nothing. |
| A payment is refunded, in full or in part | The fees of the payment are not returned. The refund has its own fee. |
| A refund succeeds | Its fee, 10.00 DA, is charged. |
| A refund fails | Nothing. A refund that does not go through costs nothing. |
| A refund is pending (the gateway's answer was lost) | Its fee is reserved on your balance with its amount, and only charged if the refund goes through. |
| A withdrawal to your bank account | Nothing. |
Fees in the API
A payment carries what it cost you and what you receive. fees is null until the payment is paid; net is amount minus fees.total, before any refund:
{
"id": "5b1c2f4e-9d3a-4c61-8a7e-0f2d6b9e1a33",
"amount": 500000,
"fees": {
"satim": 3500,
"rais": 1500,
"total": 5000
},
"net": 495000
}A refund carries its own fees once it has succeeded (null while it is pending and when it failed):
{
"id": "0c8a1d52-6e7b-4f0a-9b3d-7d2e4a8c5f10",
"amount": 150000,
"status": "succeeded",
"fees": {
"satim": 800,
"rais": 200,
"total": 1000
}
}| Field | Meaning |
|---|---|
fees.satim | SATIM's part, in centimes, excluding VAT. |
fees.rais | Raïs's part, in centimes, excluding VAT. |
fees.total | satim + rais: what the payment or the refund costs. |
net | On a payment: amount minus fees.total. What you receive for it, before any refund. |
The same objects travel in the events and the webhooks: a payment.succeeded event carries the payment with its fees and net, and a refund.succeeded event the refund with its fees. See Webhooks and the payment and refund objects.
What you keep from a payment that was refunded is its net, minus the amount refunded, minus the fees.total of each refund that succeeded. For the payment above refunded by 1,500.00 DA: 4,950.00 DA − 1,500.00 DA − 10.00 DA = 3,440.00 DA.
Your balance and refunds
A live payment is credited to your balance in full, and its fees are taken from the balance right after, so the balance moves by the payment's net. A live refund is taken from your balance with its fee: the balance must cover the amount of the refund and its fee, otherwise the answer is insufficient_balance ("The store's balance is not sufficient to cover this refund and its fee."). Because the fee of the payment is not returned, a store that has received a single payment can refund at most its balance minus 10.00 DA. See Refunds.
Test mode
The sandbox shows the same figures, marked as simulated: a paid sandbox payment has its fees and net, and a succeeded sandbox refund has its fees, exactly as in live. Nothing is charged, no balance changes and no ledger line is written. See Test cards and sandbox.
Payments from before fees
A payment paid before fees were introduced has fees: null and net: null: nothing is charged afterwards for it, and the dashboard shows no fee for it.
What is not included
Every price excludes VAT: the amounts in fees are the HT prices above. The price list is versioned (2026-10): the fees of a payment are fixed when it is paid, with the price list of that day.