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

# About payment charges

> Payment charges define who is responsible for covering the fees associated with processing a payment. Fees can be paid by the sender, the beneficiary,

Payment charges define who is responsible for covering the fees associated with processing a payment. Fees can be paid by the sender, the beneficiary, or shared between both parties. Below are the commonly used payment charge options:

| Payment Charge Type | Description                                                                                                                                                                                                                       |
| ------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| OUR                 | All fees are covered by the sender. This ensures that the full amount is delivered to the beneficiary without any deductions. Selecting this option safeguards the beneficiary from receiving a reduced payment.                  |
| BEN                 | All fees are covered by the beneficiary. This means that fees will be deducted from the amount being transferred. As a result, the beneficiary will receive a lower amount than what was originally sent.                         |
| SHA                 | Fees are shared between the sender and the beneficiary. Some charges are paid by the sender upfront, and others are deducted from the transfer amount. Consequently, the beneficiary receives a partial payment after deductions. |