I have some confusion around facilitator fee behavior for P2D payments vs ACH.
The facilitator fee for our P2D payments never seems to be deducted from the customer’s settled P2D transfer amount that reaches their bank account. For example:
Here a user completed a transaction for $1.13 that had a $0.03 facilitator fee. Both items show up correctly in the Dwolla dashboard’s transaction history for this customer. Like ACH transfers (which the fees are being deducted correctly for), we see two items, one for the full transfer amount ($1.13) and one for the fee (-0.03).
Dwolla dashboard screenshots
The problem: Unlike ACH transfers, the amount that is actually settling in this customer’s bank account is the full transfer amount and the fee seemingly was not deducted. I would expect to see a settled transaction in the bank ledger for $1.10 but instead I see the full $1.13.
Bank ledger screenshot
Why isn’t the facilitator fee being deducted before the final amount settles in the customer’s bank?