PRICING & DISTRIBUTION
The pricing engine: fees, plans and revenue without a release
Pricing is a business lever, not a release. On FinLabCore, essentially any aspect of a client’s activity can be priced, per client, down to an individual account, with price lists built and changed in the back office, and every charge landing on its own income line in the books.
Eight revenue lines, one engine
| Line | Basis |
|---|---|
| Transaction fees | Per payment, differentiated by payment type and direction, incoming versus outgoing |
| Recurring account fees | Monthly service and maintenance, charged automatically, prorated when a plan changes mid-period |
| Onboarding fees | Account opening, including expedited and complex-case pricing |
| FX spread | The institution’s margin on every conversion, plus conversion fees |
| Card fees | Issuance (virtual and physical), monthly maintenance, ATM and POS usage, funding and defunding, cards |
| Servicing fees | Payment cancellations, SWIFT confirmations, reference letters, information requests |
| Account-status fees | Dormancy and closure |
| Crypto fees | Transfer fees and conversion margin today; granular per-client pricing through the tariff engine is in development, crypto pricing |
If a client does it, you can price it, and if you do not want to, that is a pricing decision too.
Charge mechanics: flat, percentage, bounded, differentiated
A charge can combine a flat amount with a percentage, bounded by a minimum and a maximum, and can vary by currency, by country and by transaction size. That is enough vocabulary to express almost any commercial idea: a floor on small transfers, a cap for the enterprise tier, a premium corridor, a market-specific promotion. Fee management stops being a request to engineering and becomes what it should be: a spreadsheet-speed decision with production-grade discipline.
Every charge books to its own income position
Each charge maps to a dedicated income position in the double-entry books, so revenue is reportable by service line, over any period, without manual allocation. Which products earn, which clients pay for what, how FX spread compares to card fees this quarter: answers you read from the management reporting suite, not assemble in spreadsheets.
Price changes with validity, approval and audit
Commercial agility without commercial chaos: price changes carry validity periods and an approval and audit trail, so what a client was charged on any given date is always reconstructible. Disputes, audits and renewal negotiations all start from the same place, the record, and pricing changes are among the separately audited actions the platform’s controls watch most closely.
Two deep ends: assignment and distribution
The Tariff Engine. Price lists built and assigned per client or per account; plans with automatic charging and mid-period proration; changes without a software release.
The Agent Channel. Agents introduce clients and earn commission on their activity under dedicated price lists, accrued monthly, paid automatically: a variable-cost acquisition channel.
The pricing engine FAQ
What can actually be priced?
How granular is price assignment?
Do price changes require a software release?
How does pricing show up in revenue reporting?
Can pricing differ by market?
What history exists for any given charge?
Change a price in the demo, watch it land in the books
A new price list, assigned to a client, applied to a payment, reported by line, the lever, pulled live.