> ## Documentation Index
> Fetch the complete documentation index at: https://docs.atum.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Fees: what a payment costs and who pays

> What a payer pays, what the recipient receives, and how Atum's fee is taken from the settlement operator's payout. A refunded payment pays no fee.

## Overview

A payer pays one price: the selected quote's source amount. The difference between that and what the recipient receives is the settlement operator's charge. It covers the network fees for moving the funds and Atum's fee. Nothing is added on top.

## Who pays what

| Party | Pays |
| - | - |
| **Payer** | The selected quote's source amount, never more than the `max_source_amount` you signed. Gas once, for the one-time [token approval](https://docs.atum.xyz/get-started/concepts/permit2-and-approvals.md) on EVM, Tempo and Tron. |
| **Recipient** | Nothing. The recipient receives exactly `fulfillment_amount`. |
| **Settlement operator** | The gas for the deposit, the payout and the release, and Atum's fee. Its charge is built into its quote. |

To see the price before you pay, [get a price quote](https://docs.atum.xyz/get-started/get-a-price-first.md) and set `max_source_amount` from it.

## Atum's fee

Atum sets its fee per token on each network, and the [settlement vault](https://docs.atum.xyz/get-started/concepts/settlement-vault.md) stores it. As of 28 October 2026 it is **0.02% (2 basis points)** of the deposited amount, capped at **\$250** per payment. [Check it on chain](#check-the-fee-on-chain) for the current value.

* The fee is fixed when your funds are deposited. A later change does not affect a payment already in the vault.
* The vault takes it from the settlement operator's payout when it releases the deposit, so it is already inside the quoted price.
* A payment that is refunded pays no fee: the refund returns the full deposit.

## Check the fee on chain

On EVM, Tempo and Tron, the vault returns the fee for a token from `getTokenConfig(token)`. Vault addresses are on [Contract addresses](https://docs.atum.xyz/get-started/reference/contract-addresses.md#deployed-addresses), and token addresses on [Supported assets](https://docs.atum.xyz/get-started/reference/supported-assets.md).

**On a block explorer:**

1. Open the vault on the network's explorer, for example [the vault on Etherscan](https://etherscan.io/address/0x815d450F443466d52D3c1fB7a57D74D463D1E6F0#readContract).
2. Under **Read Contract**, call `getTokenConfig` with the token's address.
3. Read the result:

| Field | Meaning | Today |
| - | - | - |
| `feePercentage6Decimals` | The fee, in percent × 1,000,000 | `20000` = 0.02% |
| `maxFee6Decimals` | The cap, in dollars × 1,000,000. `0` means no cap | `250000000` = \$250 |
| `minFee6Decimals` | The minimum fee. `0` means none | `0` |
| `tokenDecimals` | The token's decimals | `6` |

**With Foundry's `cast`** (USDC on Ethereum; use any Ethereum RPC URL):

```bash theme={"theme":"github-dark"}
cast call 0x815d450F443466d52D3c1fB7a57D74D463D1E6F0 \
  "getTokenConfig(address)((uint88,uint80,uint80,uint8))" \
  0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 \
  --rpc-url "$ETH_RPC_URL"
# (20000, 250000000, 0, 6)  →  0.02%, $250 cap, no minimum, 6 decimals
```

The vault's source code is verified on the EVM and Tron explorers. Independent reviews of the contracts are on [Security reviews](https://docs.atum.xyz/security-reviews.md).

## In your records

The difference between what the payer paid and what the recipient received is the settlement operator's charge, and Atum's fee comes out of it. To record each part separately, see [Reconciliation](https://docs.atum.xyz/get-started/support/reconciliation.md#separating-the-fees).

## Next steps

| Topic | Link |
| - | - |
| See quotes before you pay | [Get a price quote](https://docs.atum.xyz/get-started/get-a-price-first.md) |
| Where the funds wait during a payment | [Settlement vault](https://docs.atum.xyz/get-started/concepts/settlement-vault.md) |
| Vault addresses on every network | [Contract addresses](https://docs.atum.xyz/get-started/reference/contract-addresses.md) |
| Record each cost | [Reconciliation](https://docs.atum.xyz/get-started/support/reconciliation.md) |


## Related topics

- [Glossary](https://docs.atum.xyz/get-started/reference/glossary.md)
- [What is an Atum settlement?](https://docs.atum.xyz/settle-payments/what-is-an-atum-settlement.md)
- [Atum payment lifecycle](https://docs.atum.xyz/get-started/how-an-atum-payment-works.md)
- [Who owns what](https://docs.atum.xyz/get-started/support/who-owns-what.md)
- [Core concepts](https://docs.atum.xyz/get-started/architecture/core-concepts.md)


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