> For the complete documentation index, see [llms.txt](https://flexcover.gitbook.io/flexcover-protection-plans/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://flexcover.gitbook.io/flexcover-protection-plans/protection-plans/pricing-options.md).

# Pricing options

Every plan is priced one of two ways: a **fixed amount** or a **percentage of the order**. Both support advanced tuning — cart-value tiers for fixed plans, and a custom fee ladder for percentage plans.

## Fixed amount

Set **Price type → Fixed** and enter the **Amount**. Every customer pays the same fee regardless of cart size.

Use it when the protection cost doesn't really depend on what's in the cart — most shipping protection and return insurance.

## Fixed with cart-value tiers

Under **Set price by cart value**, add rows of **minimum / maximum cart value → price**. Customers pay the price of the tier their merchandise subtotal falls into:

| Cart value     | Price |
| -------------- | ----- |
| $0 – $49.99    | $2.99 |
| $50 – $99.99   | $3.99 |
| $100 – $199.99 | $4.99 |
| $200 and up    | $5.99 |

* Tiers are optional — without them, everyone pays the base Amount.
* A plan product variant is created per tier, so the charged price **always equals the displayed price**.
* Overlapping ranges are supported — the app resolves which tier applies. Keep tiers clean (no gaps, no ambiguity) unless you have a specific reason.

Use tiers when a flat fee feels unfair at both ends: too pricey for a $10 order, too cheap for a $400 one.

## Percentage

Set **Price type → Percentage** and enter the rate. The fee scales with the merchandise subtotal — the natural model for warranties, where insuring a $1,200 order should cost more than a $80 one.

### The fee ladder (Advanced setting)

Shopify products need a discrete price per sellable unit, so a percentage plan is backed by a **ladder of price points**: your rate × subtotal is always matched to the nearest rung, and **the price shown in the cart is exactly what gets charged** — display and charge can never drift apart.

**Advanced setting** controls the ladder:

| Setting              | What it means                                         | Default |
| -------------------- | ----------------------------------------------------- | ------- |
| **Minimum price**    | The first rung — the smallest fee the plan can charge | $1.01   |
| **Increment amount** | The step between rungs                                | $2.00   |

With the defaults and a 10% rate, the ladder runs $1.01, $3.01, $5.01 … up to $399.01 — 200 price points in all. A tiny increment (e.g. $0.50) makes the fee hug the exact percentage more closely; a larger one keeps the catalog product simpler.

> 💡 Set the **Minimum price** to the smallest fee you're happy to accept. On a $15 order at 10%, the "true" fee is $1.50 — with a $1.01 ladder the customer pays the rung above it, rounded to cents.

## Which should I use?

|                                | Fixed                                 | Percentage                      |
| ------------------------------ | ------------------------------------- | ------------------------------- |
| Fee is the same on every order | ✅                                     | —                               |
| Fee scales with order value    | via tiers                             | ✅ automatic                     |
| Customer-facing simplicity     | simplest                              | needs a one-line explanation    |
| Typical use                    | shipping protection, return insurance | warranties on high-ticket goods |

You can't go far wrong: **flat fee for shipping and returns, percentage for warranties**, and adjust once you see the attach rate in your home-page stats.