> ## Documentation Index
> Fetch the complete documentation index at: https://doc.hpay.host-sl.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card-Aware Deposit Estimate

> Estimate deposit fees using the actual card's country and brand, from a Stripe payment method.

Like [estimate deposit](/api-reference/fees/estimate-deposit), but inspects the real card behind a Stripe `payment_method_id` to pick the domestic or international rate automatically — no guessing `is_international`.

### Request Body

<ParamField body="payment_method_id" type="string" required>
  The Stripe payment method ID (`pm_...`) of the card to estimate for.
</ParamField>

<ParamField body="amount" type="number" required>
  The deposit amount to estimate. Must be greater than 0.
</ParamField>

### Response

<ResponseField name="fee_enabled" type="boolean">
  Whether your application fee applies to deposits.
</ResponseField>

<ResponseField name="card_metadata" type="object">
  The detected card details (brand, country, funding) used for the estimate.
</ResponseField>

<ResponseField name="fee_breakdown" type="object">
  The line items: `transaction_amount`, `application_fee`, `estimated_stripe_fee`, `total_fees`, `total_amount_to_pay`, and `net_amount`.
</ResponseField>

<ResponseField name="message" type="string">
  Human-readable summary of the estimate.
</ResponseField>

<ResponseExample>
  ```json 200 theme={null}
  {
    "fee_enabled": true,
    "card_metadata": { "brand": "visa", "country": "SL", "funding": "debit" },
    "fee_breakdown": {
      "transaction_amount": "75.00",
      "application_fee": "0.75",
      "estimated_stripe_fee": "2.18",
      "total_fees": "2.93",
      "total_amount_to_pay": "77.93",
      "net_amount": "75.00"
    },
    "message": "Fee estimate calculated from card metadata."
  }
  ```

  ```json 401 theme={null}
  {
    "detail": "Invalid credentials"
  }
  ```
</ResponseExample>

<RequestExample>
  ```bash cURL theme={null}
  curl --request POST \
    --url https://hpay-api.host-sl.com/api/v1/fees/estimate/deposit/card-metadata \
    --header 'api-key: YOUR_API_KEY' \
    --header 'secret-key: YOUR_SECRET_KEY' \
    --header 'Content-Type: application/json' \
    --data '{
      "payment_method_id": "pm_...",
      "amount": 75
    }'
  ```

  ```python Python theme={null}
  from hostpay import HostPay

  client = HostPay(api_key="YOUR_API_KEY", secret_key="YOUR_SECRET_KEY")

  estimate = client.fees.estimate_card_metadata(payment_method_id="pm_...", amount=75)
  print(estimate["fee_breakdown"]["total_amount_to_pay"])
  ```

  ```typescript TypeScript theme={null}
  import { HostPay } from "@hostpay/sdk";

  const client = new HostPay({ apiKey: "YOUR_API_KEY", secretKey: "YOUR_SECRET_KEY" });

  const estimate = await client.fees.estimateCardMetadata({ paymentMethodId: "pm_...", amount: 75 });
  console.log(estimate.fee_breakdown.total_amount_to_pay);
  ```
</RequestExample>