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

# Commissions and costs

> Brain Studio cost per payment transaction and how it differs from provider fees.

Payment transactions processed with **production credentials** consume Brain Studio credits.

This cost is **additional and separate** from the commissions charged by your payment provider (Stripe, Mercado Pago, etc.).

<Info>
  Remember that Brain Studio works with the **BYOK (Bring Your Own Keys)** model: you use your credentials, funds are settled in your provider account, and Brain Studio orchestrates the flow and exposes the transaction status.
</Info>

***

## Brain Studio cost

<Tabs>
  <Tab title="Production">
    **\$0.10 USD per approved transaction**

    The cost applies **only when the provider confirms a transaction as successful**:

    * ✅ Approved transaction: **\$0.10 USD**
    * ❌ Rejected transaction: **No charge**
    * ⏳ Pending transaction: **No charge**
  </Tab>

  <Tab title="Test mode">
    **No charge**

    Transactions in test or sandbox mode **do not consume credits**.

    You can test integrations, flows, and payment experiences at no cost, using the provider's test credentials.

    <Tip>
      Fully validate your implementation in test mode before activating production credentials.
    </Tip>
  </Tab>

  <Tab title="What it includes">
    The cost of \$0.10 USD per transaction covers:

    * **Flow orchestration**: building the request and sending it to the provider
    * **Status exposure**: returning the result (approved, rejected, pending) to continue the flow
    * **Infrastructure**: processing, storage, and availability
    * **Webhooks** (when applicable): receiving and processing asynchronous notifications from the provider

    <Info>
      Brain Studio does not authorize or settle payments. It only orchestrates the integration and exposes the status returned by the provider.
    </Info>
  </Tab>
</Tabs>

***

## When is it charged

The charge applies only when the transaction is **approved** by the provider.

### Scenarios that consume credits

* ✅ **Approved transaction** → Consumes \$0.10 USD
* 🔄 **Transaction retry** → Only consumes if the result is approved

### Scenarios that do NOT consume credits

* ❌ **Rejected transaction** (declined card, insufficient funds, etc.) → Does not consume
* ⏳ **Pending transaction** (cash, unconfirmed transfers, etc.) → Does not consume until it is confirmed
* 🧪 **Test/sandbox mode** → Does not consume
* ⚠️ **Error before reaching the provider** (failed validation, invalid credentials) → Does not consume
* 🚫 **User abandons without initiating payment** (no request was generated to the provider) → Does not consume

<Info>
  The charge only applies when the provider confirms a transaction as approved. If the transaction fails, remains pending, or never reaches the provider, no credit is consumed.
</Info>

***

## Brain Studio vs. Payment provider

It is important to distinguish Brain Studio costs from provider fees:

| Aspect                   | 🧠 Brain Studio                  | 💳 Payment provider              |
| ------------------------ | -------------------------------- | -------------------------------- |
| **Cost**                 | Fixed \$0.10 USD                 | Variable                         |
| **Why it is charged**    | Only for approved transactions   | Depends on the country           |
| **Dependency on amount** | Independent of amount            | Depends on payment method        |
| **Predictability**       | Predictable and transparent      | Depends on monthly volume        |
| **What it covers**       | Orchestration and infrastructure | Charged in your provider account |

<Warning>
  Provider commissions (Stripe, Mercado Pago, etc.) are charged **directly in your provider account** and vary by country, payment method, and volume.

  Consult the **Coverage and pricing** pages of each provider for reference rates:

  * [Mercado Pago - Coverage and pricing](/guides/integraciones/pagos/proveedores/mercado-pago/cobertura-y-precios)
  * [Stripe - Coverage and pricing](/guides/integraciones/pagos/proveedores/stripe/cobertura-y-precios)
</Warning>