Account & Billing
Transaction Fees Explained
Understand exactly what you pay and when
Transparent Fee Structure
Robin’s fees are simple and predictable. No surprises, no hidden charges, no complicated tiers. You know exactly what you’ll pay before accepting any payment.All-Inclusive: Our transaction fees cover payment processing, fraud
protection, customer support, and all features. No additional charges.
Fee Breakdown
Current Rates
5% + RM 1 per successful transaction Examples: - RM 10 sale → RM 0.50 +
RM 1 = RM 1.50 fee - RM 50 sale → RM 2.50 + RM 1 = RM 3.50 fee - RM
100 sale → RM 5.00 + RM 1 = RM 6.00 fee You receive: Sale amount - fees
What’s Included
No Extra Charges For
Payment Methods
Same rate for: - Cards (Visa/Mastercard) - E-wallets (all types) - Online
banking (FPX) - QR payments - Tap to Pay
Features
All included: - Digital receipts - Refund processing - Fraud protection -
Customer database - Basic reports - Tax compliance
Fee Calculations
Understanding the Math
How Fees Work
Formula: (Transaction Amount × Percentage) + Fixed Fee Example:
Customer pays RM 85.50 Free Plan: - Percentage: RM 85.50 × 5% = RM 4.28 -
Fixed fee: RM 1.00 - Total fee: RM 5.28 - You receive: RM 80.22 Pro
Plan: - Percentage: RM 85.50 × 4% = RM 3.42 - Fixed fee: RM 1.00 - Total
fee: RM 4.42 - You receive: RM 81.08
Daily Fee Summary
In-App View
In-App View
See fees clearly:
Today's Sales: RM 3,456.00 Transactions: 89 Fees Breakdown: - Percentage (4%): RM 138.24 - Fixed (89 × RM1): RM 89.00 - Total Fees: RM 227.24 Net Received: RM 3,228.76Per Transaction
Per Transaction
Each receipt shows:
Sale Amount: RM 45.00 Robin Fee: -RM 2.80 Net Amount: RM 42.20 Settlement: Tomorrow by 11 AMWhen Fees Apply
Successful Transactions Only
✅ Fees charged on:- Completed payments
- Partial refunds (proportional)
- Failed transactions
- Full refunds
- Voided sales
- Test transactions
Refund Fee Handling
100% refund = 100% fee return Original: RM 100 sale (RM 5 fee) Refund:
RM 100 to customer Fee returned: RM 5 to you Net cost to you: RM 0
Comparing Payment Methods
Cost Analysis by Method
| Payment Type | Customer Pays | Robin Fee | You Receive | Other Costs? |
|---|---|---|---|---|
| E-wallet | RM 100 | RM 5 | RM 95 | None |
| Card | RM 100 | RM 5 | RM 95 | None |
| Cash | RM 100 | RM 0 | RM 100 | Banking, time |
| Bank Transfer | RM 100 | RM 0 | RM 100 | Reconciliation |
While cash seems cheaper, consider: - Banking fees and time - Cash handling
risks - Reconciliation effort - No instant receipts - Manual reporting
International Cards
Same Rates Apply
No Surprise Charges
International cards charged same rate: - Tourist payments welcome - No
currency conversion fees for you - Customer pays in MYR - You receive MYR
Note: Customer’s bank may charge them conversion fees
Fee Optimization Tips
Reduce Your Effective Rate
Increase average transaction
Increase average transaction
Fixed RM 1 fee impacts small transactions more: - RM 10 sale: 15% effective
rate (Free plan) - RM 50 sale: 7% effective rate - RM 100 sale: 6% effective
rate Strategy: Encourage larger baskets
Upgrade to Pro
Upgrade to Pro
Save 1% on every transaction: - RM 50K monthly = RM 500 saved - RM 100K
monthly = RM 1,000 saved - Plus AI benefits
Minimize refunds
Minimize refunds
Each refund means lost time and effort: - Clear product descriptions - Good
customer service - Quality control - Clear policies
Settlement & Fees
How You Receive Money
1
Customer Pays
Full amount via any method
2
Fee Deducted
Robin calculates and deducts fee
3
Net Amount
You see net amount immediately
4
Daily Settlement
All net amounts deposited together
5
Statement Provided
Detailed breakdown available
Monthly Fee Summary
Understanding Your Invoice
Monthly Invoice Example (Pro Plan):
Period: 1-31 January 2025 Transaction Summary: - Total Sales: RM 125,000 - Total Fees: RM 5,650 - Percentage (4%): RM 5,000 - Fixed fees: RM 650 Subscription: - Pro Plan: RM 50 Total Charges: RM 5,700 (Auto-deducted from settlements)High-Volume Pricing
Custom Rates Available
Volume Discounts
Processing over RM 100,000/month? Eligible for: - Reduced percentage rates
- Lower fixed fees - Custom pricing - Enterprise features Contact: sales@robin.now Include: Monthly volume, business type
Fee Transparency
Always Know Your Costs
Every Robin interface shows fees clearly: - Before accepting payment - On
transaction receipt - In daily summary - On monthly statement No surprises,
ever.
Common Questions
Why charge percentage + fixed?
Why charge percentage + fixed?
- Percentage covers processing costs - Fixed fee covers operation costs - Industry standard model - Keeps service sustainable
Do fees vary by card type?
Do fees vary by card type?
No. Same rate for: - Local/international cards - Debit/credit cards -
Premium/standard cards - All e-wallet types
Can I pass fees to customers?
Can I pass fees to customers?
Not recommended: - May violate card network rules - Reduces customer
satisfaction - Competitors may not charge - Better to price inclusively
Are fees negotiable?
Are fees negotiable?
Standard rates apply up to RM 100K/month. Higher volumes eligible for custom
pricing. Contact sales team to discuss.
Fee Best Practices
For Merchants
DO’s ✅- Include fees in pricing strategy
- Focus on value, not payment costs
- Track fee percentage of revenue
- Optimize average transaction size
- Consider Pro plan savings
- Surprise customers with fees
- Refuse cards due to fees
- Calculate fees manually
- Forget fee tax deductibility
- Ignore total cost of payments