# Pricing Plan and Reference

The **Pricing Plan** **API** allows you to create, manage, and apply pricing configurations for merchants during onboarding.

A pricing plan defines how a merchant is charged for payment processing. It is created based on a pricing plan template and comply with the template rules.

### Pricing template

The pricing template allows you to define the structure and constraints of pricing, including:

* Available fee types
* Required fields
* Minimum and maximum allowed values

The pricing templates can be preconfigured and made available to your business hierarchy.

### Pricing plan

Pricing plan represents the actual pricing configuration applied to a merchant.

Each pricing plan is:

* Created using a pricing plan template
* Includes fee values selected or modified from the template
* Includes fee values selected or modified from the template
* Complies with all template constraints

### Pricing plan options

Merchant Onboarding has multiple pricing template options to meet different onboarding requirements.

1. **Default pricing**

This template option has a predefined pricing plan from your business hierarchy. No additional pricing configuration is required.

2. **Custom pricing**

This template option allows you to configure merchant-specific pricing using existing pricing templates or fully customized pricing fee structures.

3. **Empower pricing**

This template options let merchants pass payment processing fees on to customers under compliant billing models.

To onboard a merchant using prebuilt secure hosted flow, see [Hosted Merchant Onboarding](https://docs.xplorpay.com/api-reference/api/merchant-onboarding/hosted-merchant-onboarding).<br>

* [Pricing Plans](/api-reference/api/merchant-onboarding/onboard-merchant/pricing-plan-and-reference/pricing-plans.md)
* [Pricing Reference](/api-reference/api/merchant-onboarding/onboard-merchant/pricing-plan-and-reference/pricing-reference.md)


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