diff --git a/.env.example b/.env.example
index 39e2f355..e7576471 100644
--- a/.env.example
+++ b/.env.example
@@ -2,9 +2,10 @@ FLASK_APP=lnbits
 FLASK_ENV=development
 
 LNBITS_SITE_TITLE=LNbits
-LNBITS_WITH_ONION=0
 LNBITS_DEFAULT_WALLET_NAME="LNbits wallet"
-LNBITS_FEE_RESERVE=0
+LNBITS_DATA_FOLDER="/your_custom_data_folder"
+LNBITS_SERVICE_FEE="0.0"
+LNBITS_WITH_ONION=0
 
 # Choose from LNPayWallet, OpenNodeWallet, LntxbotWallet, LndWallet, CLightningWallet, LnbitsWallet
 LNBITS_BACKEND_WALLET_CLASS=LntxbotWallet
diff --git a/lnbits/core/crud.py b/lnbits/core/crud.py
index 8eaf02e9..d31356fd 100644
--- a/lnbits/core/crud.py
+++ b/lnbits/core/crud.py
@@ -2,7 +2,7 @@ from typing import List, Optional
 from uuid import uuid4
 
 from lnbits.db import open_db
-from lnbits.settings import DEFAULT_WALLET_NAME, FEE_RESERVE
+from lnbits.settings import DEFAULT_WALLET_NAME
 
 from .models import User, Wallet, Payment
 
@@ -34,11 +34,11 @@ def get_user(user_id: str) -> Optional[User]:
             extensions = db.fetchall("SELECT extension FROM extensions WHERE user = ? AND active = 1", (user_id,))
             wallets = db.fetchall(
                 """
-                SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) * ? AS balance_msat
+                SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) AS balance_msat
                 FROM wallets
                 WHERE user = ?
                 """,
-                (1 - FEE_RESERVE, user_id),
+                (user_id,),
             )
 
     return (
@@ -96,11 +96,11 @@ def get_wallet(wallet_id: str) -> Optional[Wallet]:
     with open_db() as db:
         row = db.fetchone(
             """
-            SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) * ? AS balance_msat
+            SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) AS balance_msat
             FROM wallets
             WHERE id = ?
             """,
-            (1 - FEE_RESERVE, wallet_id),
+            (wallet_id,),
         )
 
     return Wallet(**row) if row else None
@@ -111,11 +111,11 @@ def get_wallet_for_key(key: str, key_type: str = "invoice") -> Optional[Wallet]:
         check_field = "adminkey" if key_type == "admin" else "inkey"
         row = db.fetchone(
             f"""
-            SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) * ? AS balance_msat
+            SELECT *, COALESCE((SELECT balance FROM balances WHERE wallet = wallets.id), 0) AS balance_msat
             FROM wallets
             WHERE {check_field} = ?
             """,
-            (1 - FEE_RESERVE, key),
+            (key,),
         )
 
     return Wallet(**row) if row else None
diff --git a/lnbits/core/services.py b/lnbits/core/services.py
index b191d595..7caa5b3f 100644
--- a/lnbits/core/services.py
+++ b/lnbits/core/services.py
@@ -1,7 +1,7 @@
 from typing import Optional, Tuple
 
 from lnbits.bolt11 import decode as bolt11_decode
-from lnbits.settings import WALLET, FEE_RESERVE
+from lnbits.settings import WALLET
 
 from .crud import create_payment
 from .models import Wallet
@@ -38,11 +38,7 @@ def pay_invoice(*, wallet: Wallet, bolt11: str, max_sat: Optional[int] = None) -
 
         if ok:
             create_payment(
-                wallet_id=wallet.id,
-                checking_id=checking_id,
-                amount=-invoice.amount_msat,
-                memo=invoice.description,
-                fee=-invoice.amount_msat * FEE_RESERVE,
+                wallet_id=wallet.id, checking_id=checking_id, amount=-invoice.amount_msat, memo=invoice.description
             )
 
     except Exception as e:
diff --git a/lnbits/settings.py b/lnbits/settings.py
index c488796d..6bf35c1d 100644
--- a/lnbits/settings.py
+++ b/lnbits/settings.py
@@ -1,6 +1,8 @@
 import importlib
 import os
 
+from decimal import Decimal
+
 
 wallets_module = importlib.import_module("lnbits.wallets")
 wallet_class = getattr(wallets_module, os.getenv("LNBITS_BACKEND_WALLET_CLASS", "LntxbotWallet"))
@@ -10,4 +12,4 @@ LNBITS_DATA_FOLDER = os.getenv("LNBITS_DATA_FOLDER", os.path.join(LNBITS_PATH, "
 
 WALLET = wallet_class()
 DEFAULT_WALLET_NAME = os.getenv("LNBITS_DEFAULT_WALLET_NAME", "LNbits wallet")
-FEE_RESERVE = float(os.getenv("LNBITS_FEE_RESERVE", 0))
+SERVICE_FEE = Decimal(os.getenv("LNBITS_SERVICE_FEE", "0.0"))