{
  "success": true,
  "engine": "FeeFlow Edge v2026",
  "timestamp": "2026-10-11T21:47:11.300Z",
  "query": {
    "amount": 100,
    "gateway": "Stripe",
    "gatewayKey": "stripe",
    "country": "us",
    "mode": "net",
    "isInternational": false,
    "hasCurrencyConversion": false
  },
  "results": {
    "standardProcessing": {
      "invoiceAmount": 100,
      "deductedFee": 3.2,
      "netMerchantPayout": 96.8,
      "effectiveRate": "3.20%"
    },
    "reverseGrossUpInvoicing": {
      "targetNetDesired": 100,
      "grossInvoiceToBillClient": 103.3,
      "clientAbsorbedFee": 3.3,
      "shortfallIfMerelyAddedRate": 0.38
    },
    "rateStructure": {
      "variableRateBasisPoints": 290,
      "variableRatePercent": "2.90%",
      "fixedFeeAmount": 0.3,
      "statutoryFeeCap": null,
      "baseCurrency": "USD"
    }
  }
}