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Below is a detailed breakdown of the average expected fees over five years for each tier of Bank and Insurer:

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Payment Type	LFIs to TPPs
Merchant Collection	Pricing is capped at 38 bps of transaction value in Year 1, to be linearly decreasing over the next 5 years to 25 bps as follows: Year 1: 38 bps Year 2: 35 bps Year 3: 32 bps Year 4: 29 bps Year 5: 25 bps Charges are capped at 50 AED per transaction for high-value transactions above AED 20,000 Free under volumes below 200 AED per merchant per day
Peer-to-Peer (incl. SME-to-SME)	Capped at 25 fils per transaction
Me-to-Me	20 fils per transaction in Year 1, decreasing to 18 fils in Year 2 and 17 fils in Year 3
Large Value Collection	Large value transactions will be capped at 4 AED per transactions for certain types of payments Large value collections include: Rent payments to non-commercial landlords Consumer-to-SME collections through invoices with a value exceeding AED 5,000 Note: Additional contexts for large value collections will be defined and incorporated into the scope in the near future.

Note:

LFIs are prohibited from imposing additional charges on end users for transactions initiated by Open Finance APIs related to data sharing. However, charges for non-Open Finance API-initiated payments may be applied according to the product tariff agreed with the customer.
Fees will only be applied to successful transactions.
Each payment within a bulk payment is considered an individual transaction by commercial model for billing purposes, and charged accordingly, ensuring that charges are accurately and fairly applied.

TPPs to End Users charges are summarized below:

Payment Type	TPPs to End User
Merchant Collection	CBUAE suggests TPPs to keep prices at 63 bps of transaction value or below in Year 1, linearly decreasing to 50 bps in Year 5 as follows: Year 1: 63 bps Year 2: 60 bps Year 3: 57 bps Year 4: 54 bps Year 5: 50 bps
Peer-to-Peer (incl. SME-to-SME)	CBUAE suggests TPPs to keep prices at 50 fils per transactions or below
Me-to-Me	CBUAE suggests TPPs to keep prices at 50 fils per transactions or below
Large Value Collection	CBUAE suggests TPPs to keep prices at 10 AED or lower for large value collection (e.g., rent payments Large value collections include: Rent payments to non-commercial landlords Consumer-to-SME collections through invoices with a value exceeding AED 5,000 Note: Additional contexts for large value collections will be defined and incorporated into the scope in the near future.

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Note:

Fees will only be applied to successful transactions.
Each payment within a bulk payment is considered an individual transaction by commercial model for billing purposes, and charged accordingly, ensuring that charges are accurately and fairly applied.

Corporate

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LFIs’ charges to TPPs are capped at 250 fils by the CBUAE

Note:

LFIs are prohibited from imposing additional charges on end users for transactions initiated by Open Finance APIs related to data sharing. However, charges for non-Open Finance API-initiated payments may be applied according to the product tariff agreed with the customer.

Fees will only be applied to successful transactions.
Each payment within a bulk payment is considered an individual transaction by commercial model for billing purposes, and charged accordingly, ensuring that charges are accurately and fairly applied.

TPPs' charges to End Users are capped at 450 fils by the CBUAE.

Note:

Fees will only be applied to successful transactions.
Each payment within a bulk payment is considered an individual transaction by commercial model for billing purposes, and charged accordingly, ensuring that charges are accurately and fairly applied.

3.2 Data Sharing Functionalities

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