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

# SWIFT Payment Fees

> UQPAY SWIFT payment fee tiers, charge options, and destination country classifications.

## Overview

Priority payments are sent via the SWIFT network and intermediary bank charges may apply. The payer determines whether intermediary charges reduce the payment amount.

## Payment Charge Options

### Charges Ours (OUR)

Under this option, the intermediary bank charges are covered by the payer and not deducted from the payment amount. The beneficiary receives the full amount, though the payer faces a higher fee to cover intermediary costs.

<Warning>
  Payments from EEA-based institutions to EEA countries cannot use this option and will automatically default to Charges Shared.
</Warning>

## Pricing Tiers

UQPAY applies four tiers based on destination country, with fees increasing at each level.

| Tier 1                                                                                                     | Tier 2                                                                                                                                                                             | Tier 3                                     | Tier 4                                                                                                                                                                                                                                                                                                                                                                                                    |
| ---------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Canada, Jersey, Switzerland, Gibraltar, Kuwait, United Kingdom, Greece, Sweden, United States, Isle of Man | Australia, Hungary, Mexico, Brazil, Iceland, New Zealand, Bulgaria, India, Philippines, Denmark, Liechtenstein, Qatar, Estonia, Lithuania, Russian Federation, Guernsey, Mauritius | Any country not listed in Tiers 1, 2, or 4 | Argentina, Israel, Netherlands, Austria, Italy, Paraguay, Belgium, Japan, Poland, Chile, Jordan, Portugal, Congo, Kenya, Spain, Cyprus, Korea Republic, Suriname, Djibouti, Kyrgyzstan, Swaziland, Ecuador, Latvia, Taiwan, Ethiopia, Lesotho, Turkey, Finland, Luxembourg, Uganda, France, Malawi, Ukraine, Germany, Malta, Uruguay, Guinea, Monaco, Yemen, Indonesia, Morocco, Zimbabwe, Ireland, Nepal |

<Note>
  Asterisked countries have PSD2 restrictions requiring SWIFT SHA format for corporate and EEA financial institution payments.
</Note>