> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/idn/technical/payments/rewards.md).

# Rewards

<figure><img src="/files/CQHG6zcOw3Xs6uAvQ2Hu" alt="Payment flows in the network"><figcaption></figcaption></figure>

<mark style="color:$success;">Interchange fee = (percentage × transaction amount) + flat fee</mark>

* **A percentage of the purchase amount,** typically between 1.5% and 3%
* **A small fixed transaction fee,** often between 5 and 20 cents

<figure><img src="/files/C3pr4AuG1LMYQoURumy6" alt="" width="563"><figcaption></figcaption></figure>

RESOURCES

<https://www.federalreserve.gov/pubs/feds/2009/200923/200923pap.pdf>

<https://www.richmondfed.org/publications/research/economic_brief/2011/eb_11-05>

<https://www.philadelphiafed.org/-/media/frbp/assets/working-papers/2025/wp25-18.pdf>

<https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/backgrounders/backgrounder-on-interchange-and-scheme-fees.html>

$$
\text{Interchange Fee} = (\text{percentage} \times \text{transaction amount}) + \text{flat fee}
$$

<https://www.paypal.com/us/brc/article/what-is-interchange-plus-plus>