Running a simulation
1
Go to the Calculator page in the Fees Engine section.
2
3
Configure the simulated transaction:
- Transaction Amount - The total value to transfer.
- Currencry - The asset code for the transaction (e.g., USD, BRL)
- Fee Package - Select one of the Fee Packages created from the dropdown.
- From Account - The account alias that will be debited
- To Account - The account alias that will be credited
- Description (optional) - A description for the simulated transaction
4
Click Calculate Fees to run the simulation.
5
Review the results displayed below the form.
The Fee Calculator is a read-only tool. It does not affect the ledger or create any transactions. You can run as many simulations as needed safely.
Understanding the results
After running a simulation, you’ll see a detailed breakdown of how fees are calculated:
Summary
- Total Fee - The combined amount of all fees that would be charged
- Net Amount - The amount the destination would receive after deductible fees
Fee breakdown
For each fee rule applied, you’ll see:| Field | Description |
|---|---|
| Fee Label | Name identifying the fee |
| Priority | Order in which the fee was applied |
| Calculation Type | flat or percentage |
| Reference Amount | The base amount used for calculation |
| Calculated Amount | The actual fee value |
| Credit Account | Account that would receive the fee |
| Is Deductible | Whether the fee is deducted from the transaction |
Simulation examples
Simple flat fee simulation
Simple flat fee simulation
Scenario: Test a $2.00 flat fee on a $100 transferInput:
- Fee Package:
Standard Transfer Fee - Asset:
USD - Amount:
100.00 - Source:
@customer/checking - Destination:
@merchant/revenue
- Total Fee: $2.00
- Net Amount: $98.00 (if deductible) or $100.00 (if not deductible)
Percentage fee simulation
Percentage fee simulation
Scenario: Test a 1.5% fee on a $500 transferInput:
- Fee Package:
Percentage Transaction Fee - Asset:
USD - Amount:
500.00 - Source:
@customer/savings - Destination:
@vendor/payments
- Total Fee: $7.50 (1.5% of $500)
- Calculation: 500 × 0.015 = 7.50
Combined fee simulation
Combined fee simulation
Scenario: Test max(flat, percentage) fee on different amountsTest 1 - Small transaction ($30):
- Flat: $1.00
- Percentage: 2% = $0.60
- Result: $1.00 (flat is higher)
- Flat: $1.00
- Percentage: 2% = $4.00
- Result: $4.00 (percentage is higher)
Multiple fees simulation
Multiple fees simulation
Scenario: Package with two fees applied in priority orderFee A (Priority 1): 1% on original amount
Fee B (Priority 2): 0.5% on after fees amountInput: $1000 transactionExpected Result:
- Fee A: $10.00 (1% of $1000)
- Fee B: $4.95 (0.5% of $990)
- Total Fee: $14.95
Use Cases for Fee simulation
Validate new fee packages
Before enabling a new fee package, run simulations with various transaction amounts to ensure fees are calculated correctly across the entire amount range.Test edge cases
Simulate transactions at minimum and maximum amount boundaries to verify fee behavior at the limits of your configured ranges.Compare fee structures
Run the same transaction through different fee packages to compare outcomes and choose the best structure for your use case.Document expected fees
Use simulation results to create documentation for your finance team or customers about expected fee amounts.Debug fee issues
If transactions are showing unexpected fees, use the simulator to reproduce the scenario and understand the calculation breakdown.Best practices
- Test full amount ranges - Don’t just test one amount; simulate transactions at minimum, maximum, and several points in between.
- Verify priority ordering - When packages have multiple fees, confirm they apply in the expected order.
- Check waived accounts - Test with accounts that should be waived to confirm they’re excluded from fees.
- Document your tests - Keep a record of simulation results for audit and compliance purposes.
- Share with stakeholders - Use simulation breakdowns to align with finance teams on expected fee outcomes before going live.