Who pays the fee - KemyPay API

Each service has a fee_bearer, and each payment can override it.

`fee_bearer`	Your customer pays	You receive
`merchant` (default)	The value of the goods	The value minus the fee
`customer`	The value plus the fee	The value of the goods

Example: 1,000 XAF with MTN Cameroon

Suppose your all-in price for MTN Cameroon is 3.25 % (your real price is in fee and in POST /mobile-money/quote).

	`merchant`	`customer`
Your customer pays	1,000 XAF	1,033 XAF
Fee	33 XAF, deducted	33 XAF, added
You receive	967 XAF	1,000 XAF

Why 1,033 and not 1,032.50?

The fee is a percentage of what the customer pays, not of the value of your goods. With customer, we compute the smallest amount that leaves you at least the full value, after rounding to the operator’s decimals and including fixed fees. 1,032 XAF would leave you 999 XAF; 1,033 XAF leaves you 1,000.

Show the exact amount before your customer confirms: call POST /mobile-money/quote with fee_bearer: "customer" and display customer_pays.

Change it

For the service: PATCH /services/{code} with fee_bearer. No new review.
For one payment: send fee_bearer with POST /mobile-money/collections.