Discount to be provided to the sender:
Discount provided by Client (GHS 140)/Exchange rate (14)
| | Total amount deducted from sender’s account\* | USD 102 | from\_amount + fee\_amount - bonus\_amount | | exchange\_rate | 14 | Exchange rate (USD 1=GHS 14) | | Total amount received by the receiver | GHS 1540 | from\_amount\*exchange\_rate | **Sample Request** ``` curl --location --request POST '{{url}}/users/{{user_id}}/transactions' \ --header 'X-Client-Id: client_id' \ --header 'X-Client-Secret: client_secret' \ --header 'Content-Type: application/json' \ --data-raw '{ "from_amount":110, "exchange_rate": 14, "to_amount":1540, "fee_amount": 2, "bonus_amount": 10, "note": "Sample Note", "to_currency":"GHS", "from_currency":"USD", "custom_purpose":"home", "purpose": "OTHER", "ip_address": "10.10.10.5", "from_fund_id": UUID, "funding_source_type": "CARD", "to":{ "id": UUID, "fund_id" : UUID, "payout_method":"BANK_DEPOSIT", "calculation_mode":"SENDER_AMOUNT" } }' ``` {% endtab %} {% endtabs %} ### Implementation 2: Discount provided to the Send user This implementation allows a transaction to be created where a discount equal to the bonus amount is provided to the send user. You can choose to build logics on when to provide this discount to your user. It could be a first time user or a loyal user who has created 10 transactions already. When a criteria is met, just be sure to send us the amount you would like to discount in the “bonus\_amount” field in the Create Transaction API. {% tabs %} {% tab title="Example 1" %} **Discount provided to the send user** Amount entered by sender: USD 100 Discount provided by the client: USD 5 | **Field** | **Amount** | **Description** | | --------------------------------------------- | ---------- | ------------------------------------------ | | from\_amount | USD 100 | Amount entered by sender | | fee\_amount | USD 2 | Fee to be added, if applicable | | bonus\_amount | USD 5 | Discount to be provided to the sender | | Total amount deducted from sender’s account\* | USD 97 | from\_amount + fee\_amount - bonus\_amount | | exchange\_rate | 14 | Exchange rate (USD 1=GHS 14) | | Total amount received by the receiver | GHS 1400 | from\_amount\*exchange\_rate | #### Sample Request ``` curl --location --request POST '{{url}}/users/{{user_id}}/transactions' \ --header 'X-Client-Id: client_id' \ --header 'X-Client-Secret: client_secret' \ --header 'Content-Type: application/json' \ --data-raw '{ "from_amount":100, "exchange_rate": 14, "to_amount":1400, "fee_amount": 2, "bonus_amount": 5, "note": "Sample Note", "to_currency":"GHS", "from_currency":"USD", "custom_purpose":"home", "purpose": "OTHER", "ip_address": "10.10.10.5", "from_fund_id": UUID, "funding_source_type": "CARD", "to":{ "id": UUID, "fund_id" : UUID, "payout_method":"BANK_DEPOSIT", "calculation_mode":"SENDER_AMOUNT" } }' ``` {% endtab %} {% endtabs %} ### Implementation 3: Bonus FX rate You can provide a bonus FX rate to your users to remain competitive in the market. When you create a transaction, you will have to provide us the FX rate applicable to the specific transaction which should include the bonus FX. {% tabs %} {% tab title="Example 1" %} **Provide higher FX to the user** Amount entered by sender: USD USD 100 Exchange rate: USD 1 = GHS 14 Bonus FX provided by the client for the user: USD 1=GHS 20 | **Field** | **Amount** | **Description** | | --------------------------------------------- | ---------- | ----------------------------------------------- | | from\_amount | USD 100 | Amount entered by sender | | fee\_amount | USD 2 | Fee to be added, if applicable | | bonus\_amount | - | Bonus provided to the receiver | | Total amount deducted from sender’s account\* | USD 102 | from\_amount + fee\_amount - bonus\_amount) | | exchange\_rate | 20 | Exchange rate including bonus FX (USD 1=GHS 20) | | Total amount received by the receiver | GHS 2000 | from\_amount\*exchange\_rate | \ **Sample Request** ``` curl --location --request POST '{{url}}/users/{{user_id}}/transactions' \ --header 'X-Client-Id: client_id' \ --header 'X-Client-Secret: client_secret' \ --header 'Content-Type: application/json' \ --data-raw '{ "from_amount":100, "exchange_rate": 20, "to_amount":2000, "fee_amount": 2, "bonus_amount": 0, "note": "Sample Note", "to_currency":"GHS", "from_currency":"USD", "custom_purpose":"home", "purpose": "OTHER", "ip_address": "10.10.10.5", "from_fund_id": UUID, "funding_source_type": "CARD", "to":{ "id": UUID, "fund_id" : UUID, "payout_method":"BANK_DEPOSIT", "calculation_mode":"SENDER_AMOUNT" } }' ``` {% endtab %} {% endtabs %} ### Implementation 4: Waive fees of a transaction As a marketing offer, you can also waive fees fully or partially for a user’s transaction. In order to do so, you will have to provide "bonus\_amount" equal to the total fees or equal to the partial discount you are providing on the fees. {% tabs %} {% tab title="Example 1" %} **Waive partial fees for a transaction** Amount entered by sender: USD 100 Fees: USD 5 Discount on fees provided by the Client to the user: USD 2 | Field | Amount ($) | Description | | --------------------------------------------- | ---------- | ---------------------------------------------------- | | from\_amount | USD 100 | Amount entered by sender | | fee\_amount | USD 3 | Fee to be added after discount on fees (USD 5-USD 2) | | bonus\_amount | 0 | Bonus provided to the receiver | | Total amount deducted from sender’s account\* | USD 103 | from\_amount + fee\_amount - bonus\_amount | | exchange\_rate | 14 | Exchange rate including bonus FX (USD 1=GHS 14) | | Total amount received by the receiver | GHS 1400 | from\_amount\*exchange\_rate | \ **Sample Request** ``` curl --location --request POST '{{url}}/users/{{user_id}}/transactions' \ --header 'X-Client-Id: client_id' \ --header 'X-Client-Secret: client_secret' \ --header 'Content-Type: application/json' \ --data-raw '{ "from_amount":100, "exchange_rate": 14, "to_amount":1400, "fee_amount": 3, "bonus_amount": 0, "note": "Sample Note", "to_currency":"GHS", "from_currency":"USD", "custom_purpose":"home", "purpose": "OTHER", "ip_address": "10.10.10.5", "from_fund_id": UUID, "funding_source_type": "CARD", "to":{ "id": UUID, "fund_id" : UUID, "payout_method":"BANK_DEPOSIT", "calculation_mode":"SENDER_AMOUNT" } }' ``` {% endtab %} {% tab title="Example 2" %} **Waive full fees for a transaction** Amount entered by sender: USD 100 Fees: USD 5 Discount on fees provided by the Client to the user: USD 5 | **Field** | **Amount** | **Description** | | --------------------------------------------- | ---------- | ---------------------------------------------------- | | from\_amount | USD 100 | Amount entered by sender | | fee\_amount | USD 0 | Fee to be added after discount on fees (USD 5-USD 5) | | bonus\_amount | 0 | Bonus provided to the receiver | | Total amount deducted from sender’s account\* | USD 100 | from\_amount + fee\_amount - bonus\_amount | | exchange\_rate | 14 | Exchange rate including bonus FX (USD 1=GHS 14) | | Total amount received by the receiver | GHS 1400 | from\_amount\*exchange\_rate | \ **Sample Request** ``` curl --location --request POST '{{url}}/users/{{user_id}}/transactions' \ --header 'X-Client-Id: client_id' \ --header 'X-Client-Secret: client_secret' \ --header 'Content-Type: application/json' \ --data-raw '{ "from_amount":100, "exchange_rate": 14, "to_amount":1400, "fee_amount": 0, "bonus_amount": 0, "note": "Sample Note", "to_currency":"GHS", "from_currency":"USD", "custom_purpose":"home", "purpose": "OTHER", "ip_address": "10.10.10.5", "from_fund_id": UUID, "funding_source_type": "CARD", "to":{ "id": UUID, "fund_id" : UUID, "payout_method":"BANK_DEPOSIT", "calculation_mode":"SENDER_AMOUNT" } }' ``` {% endtab %} {% endtabs %}