finops:
  model: transaction_fee
  description: >
    NOWPayments charges no setup or integration fees. Costs are purely
    transaction-based, applied only on completed payments.

  fees:
    monocurrency_payments:
      rate: "0.5%"
      description: Fixed service fee when customer pays in the same cryptocurrency as the merchant receives.

    conversion_payments:
      rate: "1.0%"
      description: Fixed service fee when automatic coin conversion is used (customer pays in different crypto than merchant receives).

    mass_payouts:
      rate: "0%"
      description: No service fee for mass payout transactions. Only blockchain network fees apply.

    network_fees:
      description: Blockchain network fees are charged separately from service fees and vary by cryptocurrency and network congestion.

  cost_savings:
    vs_paypal: "Up to 90% savings on transaction costs, especially using USDT on BSC."

  volume_discounts:
    available: true
    basis: monthly BTC flow thresholds
    contact: partners@nowpayments.io

  billing_currency: cryptocurrency (settled in merchant's chosen currency or fiat via Fiat Withdrawals API)

  free_tier:
    available: false
    notes: Sandbox environment is free for testing; production requires a merchant account.