# Fees charging model

Institutions that use RippleNet can collect fees with their accounts. Accounts collect fees from processing transfers across RippleNet during a payment. You can configure fees for each of your institution's RippleNet instances. There are many configurable possibilities for how you can collect fees, including the following typical high-level strategies:

* Sending Institutions collect fees from their originating customer.
* Receiving Institutions collect various fees:
  * From Sending Institutions that hold a Nostro account on its ledger
  * From specific partners
  * For payments using specific payout methods


RippleNet supports the conventional OUR/BEN/SHA fees charging model:

## OUR fee model

* The sender covers all transfer charges
* The beneficiary will receive the full amount of the transfer.


This fee model can be achieved by setting the quote type as `RECEIVING_AMOUNT` in the call to the **Create quote collection** operation.

Note
When using the OUR model, the *ChrgBr* field in the `user_info` should be passed as `DEBT`.

## BEN fee model

* The beneficiary covers all transfer charges


This fee model can be achieved by setting the quote type as `SENDING_AMOUNT` in the call to **Create quote collection**.

Note
When using the BEN model, the *ChrgBr* field in the `user_info` should be passed as `CRED`.

## SHA Fee Model

* The transfer charges are split between the sender and the beneficiary.
* This usually means the sender pays for fees charged by the sending bank, and the beneficiary pays for the fees charged by the receiving bank.


This fee model can be achieved by setting the quote type as `SENDER_INSTITUTION_AMOUNT` or `RECEIVER_INSTITUTION_AMOUNT` in the call to **Create quote collection**.

Note
When using the SHA model, the *ChrgBr* field in the `user_info` should be passed as `SHAR`.

| Component | Value | Description |
|  --- | --- | --- |
| currency_code | Ripple recommends using [ISO 4217 Currency Codes](https://www.iso.org/iso-4217-currency-codes.html) | Configured for one currency, set by currency value |
| role_type | SENDING, RECEIVING, INSTITUTION_SENDING, INSTITUTION_RECEIVING | Role account plays in transfer |
| node_type | INITIAL, INTERMEDIATE, or TERMINAL | How node participates in payment flow |
| payment_type | REGULAR, RETURN | Configured to apply to regular or return payments |
| fee_type | PERCENTAGE, FLAT_RATE | Flat or percentage fee |
| value |  | Value of the fee to be applied |
| partner_name | String | Provides the partner's RippleNet address |
| account_name | String | For fees that apply to specific accounts, provides account name |
| upper_limit | BigDecimal | Provides the upper limit of the slab |
| lower_limit | BigDecimal | Provides the lower limit of the slab |


For more information, see [Fees](/products/payments-odl/api-docs/ripplenet/best-practices/fees).