Patent ID: 8504433

Claim:
A method of performing on-line payments, comprising: receiving, by a processing computer of a payment provider, transaction data for an on-line transaction between at least a first party and a second party, wherein the first party is a buyer and the second party is a seller; determining, by the processing computer, a transaction fee for the on-line transaction; providing, by the processing computer of the payment provider, the transaction fee to at least the first party and the second party to permit either or both parties to enter or modify a split amount for the transaction fee, wherein the split amount is negotiated between at least the first party and the second party independently of the transaction data; receiving the split amount for the transaction fee from at least one of the parties; receiving an acceptance on the split amount for the transaction fee from at least one of the parties; and processing a payment request based on the transaction data and the split amount of the on-line transaction.