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# API - Feb 11, 2026

## Added

### User margin calculations on FX conversions

For [FX conversions](/guides/fx), your platform can now define a `UserMargin` to be calculated for the transaction on the following endpoints:

* [POST Create an Instant Conversion between user Wallets](/api-reference/conversions/create-instant-conversion-user-wallets)
* [POST Create a Quote](/api-reference/quotes/create-quote)

This allows you to calculate an indicative rate and amount that you can subsequently charge the user for the transaction. You can define your `UserMargin` as a percentage or in pips (quantities of `0.0001`).

The new `MarginsResponse.User` response object provides you with the `Amount` of debited funds to charge the user based on your defined `UserMargin`. The `MarginsResponse` object also gives information of Mangopay's markup (defined with your platform during contracting).

The `ConversionRateResponse` has been updated to include a `FinalRate` that is indicative of the rate you offered the user, based on `UserMargin`.

## Changed

### FX fees based on percentage or fixed amount

For [FX conversions](/guides/fx), your platform can now define `Fees` as a percentage of the debited funds rather than a fixed amount on the following endpoints:

* [POST Create an Instant Conversion between user Wallets](/api-reference/conversions/create-instant-conversion-user-wallets)
* [POST Create a Quote](/api-reference/quotes/create-quote)

The `Fees` object on these endpoints has been modified to accept `Type` (`PERCENTAGE` or `FIXED`) and `Value` instead of `Amount`.

The `Amount` property has been deprecated but is still accepted by the API, in which case the `Type` is `FIXED` by default. The SDK releases for this change include a breaking change – platforms must update their integration when updating their SDK version.

In the API response, the new `RequestedFees` object gives the information you sent, while the `Fees` response object remains unchanged and gives the `Amount` and `Currency` diverted to your fees wallet.