> ## Documentation Index > Fetch the complete documentation index at: https://docs.jenzy.com/llms.txt > Use this file to discover all available pages before exploring further. # Quote the fees on a transfer > What a transfer would cost, before you make it. Priced from fee schedule, so the same transfer is always quoted the same amount for you, so this is the figure to check against rather than a percentage from the docs. It is not a commitment and reserves nothing. The four fee lines always sum to `total_fee`. Fee amounts are exact decimal strings at two decimal places (kwacha fees are not whole kwacha) — parse them with a decimal library, never a float. A payout returns `total_debit` (the amount plus the fee: your beneficiary still receives the full amount) and a collection returns `amount_received` (the amount less the fee, which may be negative on a transfer smaller than its own fee). ## OpenAPI ````yaml /openapi.json post /fees/quote openapi: 3.1.0 info: title: Jenzy Hermes Client API version: 1.0.0 description: >- Draw down your prefunded MWK balance as payouts to Malawian banks and mobile money. Authenticate with your `jz_live_…` API key as a bearer token. servers: - url: https://api.jenzy.com/v1 description: Production security: [] paths: /fees/quote: post: summary: Quote the fees on a transfer description: >- What a transfer would cost, before you make it. Priced from fee schedule, so the same transfer is always quoted the same amount for you, so this is the figure to check against rather than a percentage from the docs. It is not a commitment and reserves nothing. The four fee lines always sum to `total_fee`. Fee amounts are exact decimal strings at two decimal places (kwacha fees are not whole kwacha) — parse them with a decimal library, never a float. A payout returns `total_debit` (the amount plus the fee: your beneficiary still receives the full amount) and a collection returns `amount_received` (the amount less the fee, which may be negative on a transfer smaller than its own fee). requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/FeeQuoteCreate' responses: '200': description: The quote. content: application/json: schema: $ref: '#/components/schemas/FeeQuote' examples: momo_payout: summary: A 10,000 MWK payout to mobile money value: currency: MWK amount_mwk: '10000.00' direction: payout rail: momo fees: convenience_fee: '200.00' transaction_fee: '80.00' levy: '0.00' vat: '49.00' total_fee: '329.00' total_debit: '10329.00' amount_received: null bank_payout: summary: >- A 10,000 MWK payout to a bank account — the flat convenience fee is larger (500 vs 200) and VAT is charged on it too, so the total fee is more than double the momo example at the same amount value: currency: MWK amount_mwk: '10000.00' direction: payout rail: bank fees: convenience_fee: '500.00' transaction_fee: '80.00' levy: '0.00' vat: '101.50' total_fee: '681.50' total_debit: '10681.50' amount_received: null '400': description: The body is malformed, or the amount is not a positive whole number. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelope' '401': description: Missing, malformed, or revoked API key. content: application/json: schema: $ref: '#/components/schemas/ErrorEnvelope' security: - ApiKeyAuth: [] components: schemas: FeeQuoteCreate: type: object properties: direction: type: string enum: - payout - collection description: >- Which way the money moves: `payout` to pay a beneficiary, `collection` to take money in. The two are priced differently. example: payout rail: type: string enum: - momo - bank description: >- The path the transfer takes. Pricing depends only on this, never on the institution — every bank costs the same, as does every mobile-money operator. example: momo amount_mwk: anyOf: - type: number - type: string description: >- What the transfer would move. Either a JSON integer of whole kwacha, or an exact decimal string with up to 2 decimal places (`"1000.55"`). Fees are quoted on top of it. Must be positive and no greater than 1000000000000 MWK. example: 50000 required: - direction - rail - amount_mwk FeeQuote: type: object properties: currency: type: string enum: - MWK amount_mwk: type: string description: The amount quoted against, echoed back — exact decimal string. example: '10000.00' direction: type: string enum: - payout - collection rail: type: string enum: - bank - momo fees: $ref: '#/components/schemas/FeeQuoteLines' total_fee: type: string description: Every line above, summed. Always equal to their sum. example: '329.00' total_debit: type: - string - 'null' description: >- Payouts only: the amount plus the total fee — the full cost of the transfer. Your beneficiary still receives the full amount. Null on a collection. example: '10329.00' amount_received: type: - string - 'null' description: >- Collections only: the amount less the total fee — what you are credited. Negative if the fee exceeds the transfer. Null on a payout. (Shown here for a 10,000 collection, whose fee is 150.00 — a collection carries no flat fee, no VAT and no levy.) example: '9850.00' required: - currency - amount_mwk - direction - rail - fees - total_fee - total_debit - amount_received ErrorEnvelope: type: object properties: error: type: object properties: code: type: string enum: - validation_error - unauthorized - forbidden - not_found - conflict - rate_limited - internal_error - unknown_institution - invalid_mobile_number - invalid_account_number - mobile_number_institution_mismatch - service_unavailable - sandbox_only - insufficient_funds - rail_disabled - amount_limit_exceeded - org_limit_exceeded - service_incident - service_maintenance description: >- Stable identifier a client may branch on — never renamed or removed. message: type: string required: - code - message required: - error FeeQuoteLines: type: object properties: convenience_fee: type: string description: >- Flat per-transfer charge, by rail. Charged on every payout whatever its size, and never charged on a collection. example: '200.00' transaction_fee: type: string description: >- The percentage-based charge on this transfer. A single combined figure — do not expect it to match any one component of an underlying tariff. example: '80.00' levy: type: string description: Government levy, charged on larger transfers only. example: '0.00' vat: type: string description: >- Charged on the convenience and transaction fees; the levy is outside it. example: '49.00' required: - convenience_fee - transaction_fee - levy - vat securitySchemes: ApiKeyAuth: type: http scheme: bearer description: 'Your Jenzy API key: `Authorization: Bearer jz_live_…`' ````