> For the complete documentation index, see [llms.txt](https://docs.zipwire.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zipwire.io/zipwire-approve/unboxing-key-concepts/rate-plans.md).

# Rate Plans

A **Rate Plan** is a per-sender payment table that defines what they get paid (and what clients are charged) at each tier defined in the Billing Plan.

## Rate Plan Structure

Rate plans are **two-sided**:

| Side       | Definition                           |
| ---------- | ------------------------------------ |
| **Pay**    | What the sender earns per unit       |
| **Charge** | What's billed to the client per unit |

Each side has **three tiers** (A, B, C) that directly correspond to the tiers in the Billing Plan:

* **Tier A** — Standard hours rate
* **Tier B** — Overtime rate
* **Tier C** — Premium/night rate

## Multi-Currency Support

You can pay senders in one currency and charge clients in another:

* Sender gets paid: £75/hr (GBP)
* Client is charged: $95/hr (USD)

## Sender-Specific & Temporal

Each **sender gets their own rate plan** within an assignment, allowing:

* Different rates for different skill levels (Alice: £75/hr, Bob: £100/hr)
* **Scheduled rate changes** — Update rates on a specific date without affecting timesheets already submitted
* **Multiple effective periods** — You can have Rate Plan v1 (Jan 1 - Jun 30) and Rate Plan v2 (Jul 1 onwards)

## References Billing Plan

Every Rate Plan references a **Billing Plan**, which defines the tier structure and time units:

* "Use billing plan BP1 (8-hour hourly grid) with these rates: Tier A £75/hr, Tier B £100/hr"
* Multiple senders can share the same billing plan but have different rate plans (different pay rates)


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