BitPay Network Costs</strong> <br> If the estimated amount of the network cost is more than 0.01 USD, BitPay charges it as a separate fee to the Shopper. The Shopper’s payment of the network cost helps BitPay cover its miner fee costs. </p> <p> <strong>Refund Fees on Payment Exceptions</strong> <br> If a Shopper’s transaction ends up as a Payment Exception (see Section 10.4, Payment Exceptions), BitPay deducts the corresponding miner fee used to return the payment to the Shopper from the total refund amount. </p> <p> <strong>14.4 Fee Summary</strong> </p> BitPay Processing Fees Refund Fees (Successful payments) Miner Fees BitPay Network Cost Refund Fees (Payment Exceptions) Merchant ✓ ✓ Shopper ✓ ✓ ✓ 15. Indemnification <p> You agree to indemnify BitPay, its affiliated and related entities, and any of its officers, directors, employees and agents from and against any claims, costs, losses, liabilities, damages, expenses and judgments of any and every kind (including, without limitation, costs, expenses, and reasonable attorneys’ fees) arising out of, relating to, or incurred in connection with any claim, complaint, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises or relates to any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms. </p>