---
title: "ChargesRecord"
canonical: "https://openfinanceguide.com/en/stet/1.6.3/resources/charges-record"
edition: "STET PSD2 API 1.6.3.1"
source: "https://openfinanceguide.com/docs/stet/1.6.3/pdf/api-dsp2-stet-v1.6.3.2-openapi.yaml"
pdf: "https://openfinanceguide.com/docs/stet/1.6.3/pdf/api-dsp2-stet-v1.6.3.1-part-2-functional-model.pdf"
language: "en"
normative: "The normative text is the English PDF and OpenAPI file published by STET. This Markdown reproduces it for reading; where they differ, the PDF prevails."
license: "CC BY 3.0 FR (https://creativecommons.org/licenses/by/3.0/fr/), STET. Converted to Markdown by Open Finance Guide."
---

# ChargesRecord

Type: `object` · Kind: ISO20022

ISO20022: Provides further individual record details on the charges related to the payment transaction.
- The [amount] proprty specifies the transaction charges to be paid by the charge bearer.
- The [creditDebitIndicator] property indicates whether the charges amount is a credit or a debit amount.
  A zero amount is considered to be a credit.
- the [code] property is the charge type, in a coded form
- the [rate] property is the rate used to calculate the amount of the charge or fee.
- the [bearer] property specifies which party/parties will bear the charges associated with the processing of the payment transaction.
- the [agent] property specifies the agent that takes the transaction charges or to which the transaction charges are due.
- the [tax] property provides details on the tax applied to charges.
API: Amounts must always be set as positive values.

Fields:

- `amount`, [`AmountType`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/amount-type.md)
- `creditDebitIndicator`, [`CreditDebitIndicator`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/credit-debit-indicator.md)
- `chargeIncludedIndicator`, `boolean` — Indicates whether the charge should be included in the amount or is added as pre-advice.
  One of the following values must be used:
    - Meaning When True: Included
    - Meaning When False: Pre-advised
- `code`, [`CodeAndIssuer`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/code-and-issuer.md)
- `rate`, [`PercentageRate`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/percentage-rate.md)
- `bearer`, [`ChargeBearerCode`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/charge-bearer-code.md)
- `agent`, [`FinancialInstitutionIdentification`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/financial-institution-identification.md)
- `tax`, [`TaxCharges`](https://openfinanceguide.com/raw/stet/1.6.3/en/resources/tax-charges.md)

## Example

```json
{
  "amount": {
    "amount": 123.45,
    "currency": "EUR"
  },
  "creditDebitIndicator": "DBIT",
  "chargeIncludedIndicator": true,
  "code": {
    "code": "CD01",
    "issuer": "MyIssuer"
  },
  "rate": 0.5,
  "bearer": "SHAR",
  "agent": {
    "bicFi": "BNKAFRPPXXX"
  },
  "tax": {
    "identification": "VAT",
    "rate": 12.3,
    "amount": {
      "amount": 123.45,
      "currency": "EUR"
    }
  }
}
```

## Used by

- `GET /accounts/{accountResourceId}/transactions` (accountsTransactionsGet)