> ## Documentation Index > Fetch the complete documentation index at: https://docs.cadanapay.com/llms.txt > Use this file to discover all available pages before exploring further. # Get user fees > Retrieve the payout catalog for a user — fees, delivery timelines, and transfer limits per corridor. `data.payouts` is the full, unfiltered catalog (the user's rate card) and is always returned. Supply `paymentMethod` together with `destinationCurrency` to also receive `data.estimate` — a per-transaction fee, delivery timeline, and transfer limits for the specified corridor. Add `destinationCountry` when several countries share a currency (e.g. USD sent to Ecuador vs. USD sent to El Salvador) so the estimate resolves to the right country. Add `sourceAmount` to resolve percentage-based fees into a concrete amount. ## OpenAPI ````yaml /openapi/embedded-consumer-wallets.yaml get /v1/users/{userId}/fees openapi: 3.0.0 info: description: APIs for interacting with Cadana Embedded Consumer Wallets version: 1.0.0 title: Embedded Consumer Wallets termsOfService: https://cadanapay.com/terms-and-conditions contact: email: api@cadanapay.com license: name: Apache 2.0 url: http://www.apache.org/licenses/LICENSE-2.0.html servers: - url: https://api.cadanapay.com description: Prod Server - url: https://dev-api.cadanapay.com description: Dev Server security: - Authorization: [] tags: - name: Beneficiaries description: APIs for managing user beneficiaries - name: Transactions description: APIs for managing user transactions - name: Balances description: APIs for managing user account balances paths: /v1/users/{userId}/fees: get: tags: - Transactions summary: Get user fees description: > Retrieve the payout catalog for a user — fees, delivery timelines, and transfer limits per corridor. `data.payouts` is the full, unfiltered catalog (the user's rate card) and is always returned. Supply `paymentMethod` together with `destinationCurrency` to also receive `data.estimate` — a per-transaction fee, delivery timeline, and transfer limits for the specified corridor. Add `destinationCountry` when several countries share a currency (e.g. USD sent to Ecuador vs. USD sent to El Salvador) so the estimate resolves to the right country. Add `sourceAmount` to resolve percentage-based fees into a concrete amount. operationId: getUserFees parameters: - $ref: '#/components/parameters/userId' - name: sourceCurrency in: query required: false description: ISO 4217 currency in which all fees are quoted. Defaults to `USD`. schema: type: string example: USD - name: paymentMethod in: query required: false description: >- Payment method to produce an estimate for. Presence of this field triggers the `estimate` block in the response and requires `destinationCurrency`. schema: type: string enum: - bank - momo - swift - ach - wire - crypto - card - wallet example: bank - name: destinationCurrency in: query required: false description: >- ISO 4217 payout currency — keys the specific corridor for the `estimate`. Required whenever `paymentMethod`, `destinationCountry`, or `sourceAmount` is supplied. schema: type: string example: AUD - name: destinationCountry in: query required: false description: >- ISO 3166-1 alpha-2 destination country code. Use this when several countries share a currency (e.g. USD sent to Ecuador vs. USD sent to El Salvador) so the estimate resolves to the right country. Only meaningful when `destinationCurrency` is also supplied. schema: type: string example: AU - name: sourceAmount in: query required: false description: >- Decimal payout amount used to resolve percentage-based fees into a concrete `estimate.fee.value`. Ignored for fixed-fee corridors. Requires `destinationCurrency`. schema: type: string example: '100' - $ref: '#/components/parameters/XMultiTenantKey' responses: '200': $ref: '#/components/responses/GetFeesResponse' '400': $ref: '#/components/responses/BadRequestError' '404': $ref: '#/components/responses/NotFoundError' 5XX: $ref: '#/components/responses/InternalError' security: - Authorization: [] components: parameters: userId: name: userId in: path description: The unique identifier for the user required: true schema: type: string format: uuid example: c06f3427-3bbe-4d70-9a54-28acda267e48 XMultiTenantKey: name: X-MultiTenantKey in: header required: false schema: type: string description: >- Required when using a Platform API token. The tenant key identifying which business to operate on. responses: GetFeesResponse: description: Payout catalog and (optional) corridor estimate content: application/json: schema: type: object properties: data: type: object required: - sourceCurrency - payouts properties: sourceCurrency: type: string description: ISO 4217 currency in which payout fees are quoted example: USD payouts: type: array items: $ref: '#/components/schemas/FeeTableEntry' estimate: $ref: '#/components/schemas/FeeEstimate' examples: catalogOnly: summary: Catalog only — `paymentMethod` not supplied value: data: sourceCurrency: USD payouts: - paymentMethod: bank destinationCurrency: AUD destinationCountry: AU fee: type: fixed value: 1 min: 0 max: 0 feeCurrency: USD timeline: minDays: 1 maxDays: 2 businessDaysOnly: true - paymentMethod: bank destinationCurrency: USD destinationCountry: EC fee: type: fixed value: 6.5 min: 0 max: 0 feeCurrency: USD timeline: minDays: 0 maxDays: 1 businessDaysOnly: true catalogWithEstimate: summary: >- Catalog + corridor estimate — `paymentMethod` and `destinationCurrency` supplied value: data: sourceCurrency: USD payouts: - paymentMethod: bank destinationCurrency: AUD destinationCountry: AU fee: type: fixed value: 1 min: 0 max: 0 feeCurrency: USD timeline: minDays: 1 maxDays: 2 businessDaysOnly: true estimate: paymentMethod: bank destinationCurrency: AUD destinationCountry: AU fee: value: '1.00' currency: USD timeline: minDays: 1 maxDays: 2 businessDaysOnly: true estimatedArrival: Apr 24, 2026 (excluding holidays) limits: min: '2' max: '20000' currency: AUD BadRequestError: description: Bad input provided by client content: application/json: schema: $ref: '#/components/schemas/BadRequestError' NotFoundError: description: Requested resource was not found content: application/json: schema: $ref: '#/components/schemas/NotFoundError' InternalError: description: Internal error content: application/json: schema: $ref: '#/components/schemas/InternalError' schemas: FeeTableEntry: type: object description: A single corridor entry in the payout catalog required: - paymentMethod - destinationCurrency - fee - feeCurrency - timeline properties: paymentMethod: type: string enum: - bank - momo - swift - ach - wire - crypto - card - wallet example: bank destinationCurrency: type: string description: ISO 4217 payout currency example: AUD destinationCountry: type: string description: >- ISO 3166-1 alpha-2 country code. Only present when several countries share a currency and the country is needed to identify the corridor (e.g. USD sent to Ecuador). example: AU fee: type: object required: - type - value properties: type: type: string enum: - fixed - percentage description: >- Fee model. `fixed` values are denominated in `feeCurrency`; `percentage` values are rates (e.g. `1.5` means 1.5%). example: fixed value: type: number description: Fee amount (for `fixed`) or percentage rate (for `percentage`). example: 1 min: type: number description: >- Minimum applicable fee in `feeCurrency`. `0` indicates no minimum. example: 0 max: type: number description: >- Maximum applicable fee in `feeCurrency`. `0` indicates no maximum. example: 0 feeCurrency: type: string description: >- ISO 4217 currency in which the fee is denominated. Matches the request's `sourceCurrency` (or `USD` if not supplied). example: USD timeline: type: object required: - minDays - maxDays - businessDaysOnly properties: minDays: type: integer description: Minimum delivery time in days example: 1 maxDays: type: integer description: Maximum delivery time in days example: 2 businessDaysOnly: type: boolean description: When `true`, weekends are excluded from `minDays` and `maxDays`. example: true FeeEstimate: type: object description: >- Per-transaction quote for a specific corridor + payment method. Only returned when `paymentMethod` and `destinationCurrency` are supplied. required: - paymentMethod - destinationCurrency - fee - timeline - limits properties: paymentMethod: type: string enum: - bank - momo - swift - ach - wire - crypto - card - wallet example: bank destinationCurrency: type: string example: AUD destinationCountry: type: string description: >- Only present when several countries share a currency and the country is needed to identify the corridor example: AU fee: type: object required: - value - currency properties: value: type: string description: >- Concrete per-transaction fee. For `percentage` corridors, resolved using the request's `sourceAmount`. example: '1.00' currency: type: string description: >- ISO 4217 currency code — matches the request's `sourceCurrency` (or `USD` if not supplied). example: USD timeline: type: object required: - businessDaysOnly properties: minDays: type: integer example: 1 maxDays: type: integer example: 2 businessDaysOnly: type: boolean description: When `true`, weekends are excluded from `minDays` and `maxDays`. example: true estimatedArrival: type: string description: >- Human-readable delivery estimate, accounting for weekends and holidays. example: Apr 24, 2026 (excluding holidays) message: type: string description: >- Replaces `minDays`/`maxDays` for special corridors (e.g. `"Instant"`). example: Instant limits: type: object required: - min - max - currency properties: min: type: string description: Minimum transfer amount example: '2' max: type: string description: Maximum transfer amount example: '20000' currency: type: string description: >- Currency the limits are denominated in — matches `destinationCurrency`. example: AUD BadRequestError: description: Bad input provided by client allOf: - $ref: '#/components/schemas/Error' - type: object properties: params: description: A map for meta data around the error that occurred type: object example: code: invalid_request_body message: The request body provided is not valid params: field: Value is invalid. NotFoundError: description: Not Found allOf: - $ref: '#/components/schemas/Error' example: code: resource_not_found message: Requested resource could not be found. InternalError: description: Internal server error allOf: - $ref: '#/components/schemas/Error' example: code: internal_error message: An unexpected error occurred. Please try again later. Error: type: object properties: code: description: A machine parsable error code type: string enum: - invalid_request_body - resource_not_found - forbidden - internal_error message: description: A human readable message describing the error type: string securitySchemes: Authorization: type: http scheme: bearer bearerFormat: API_SECRET_KEY ````