Fees and taxes quoted before every money call.
Customers forgive fees they were told about. They don't forgive the ones they found on a statement. The pricing engine quotes every fee and tax on a payment before the customer confirms.
You set the tariffs: per product, per customer group, flat, percentage, capped or tiered. The same quote that the customer saw is the one that posts, so what they agreed to is what they pay.
Fees per product and customer group: flat, a percentage, capped, or in bands.
Before a payment, request a quote that lists every fee and tax.
They see exactly what they'll pay, and confirm.
The confirmed quote is consumed by the payment, so the charge can't drift.
Every fee and tax listed separately.
Different prices for staff, VIP or promotional groups.
The shapes most tariffs need, combined if you like.
A quote is valid for a short time, then the customer gets a fresh one.
The payment consumes the quote it was confirmed with.
Update tariffs when your pricing changes, no code change.
Illustrative businesses, not customers. Figures are made up to show the flow.
A neobank in Lagos · Fintechs & neobanks
The bank wants staff and a launch cohort to send free for three months, while everyone else pays the standard fee.
Promotions run from configuration, and every customer still sees the right quote.
A bills app in Abuja · Fintechs & neobanks
Customers complained about electricity payments costing more than expected. The fee was added after confirmation.
Complaints about surprise charges stop, because nothing is a surprise.
A payroll platform in Lagos · Payroll & HR platforms
The platform charges employers per payout, cheaper for larger runs. Its finance team calculated invoices by hand.
Employers approve the fee with the run, and finance stops recalculating it.
Endpoints in the Pricing engine API reference, with every parameter and response.
State changes arrive as signed webhooks. How webhooks work
POST /quotes
Bridgecurl -X POST "https://api.bridgemoni.com/quotes" \
-H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
-H "X-Tenant: $BRIDGEMONI_TENANT" \
-H "X-Environment: $BRIDGEMONI_ENV" \
-H "Content-Type: application/json" \
-d '{
"transactionType": "DEPOSIT",
"direction": "IN",
"amount": {
"amount": "250000.00",
"currencyCode": "NGN"
},
"userReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
"channel": "Ada Obi",
"quoteDateTime": "2027-03-14T14:30:01"
}'Taxes are quoted as their own lines, so customers see the fee and the tax separately.
The quote expires and they get a fresh one before confirming.
Per customer group. Put a customer in a group to give them its tariff.
We'll come back with what's live for you today, and what's next.