This diagram illustrates the payment and fee flow for a partial refund transaction between Oracle and an Oracle customer.

The process begins with a $10.00 charge captured by Oracle. Oracle deducts a transaction fee of $0.40, consisting of a $0.30 percentage fee and a $0.10 transaction fee. The Oracle customer receives $9.60.

On Day +1, a partial refund of $5.00 is processed. Oracle captures the refund transaction and returns $5.00 to the payer.

On Day +2, Oracle performs an Oracle fee adjustment through a funds transfer. The Oracle customer is debited $5.25, consisting of:

An assumption note at the bottom states that the Oracle transaction fee is 3% plus $0.10 per transaction.