Fee Schedule

This page is the authoritative fee schedule referred to by the Terms, §10. Where any other page, deck or table disagrees with it, this one governs.

A fee has three parts: an ad valorem percentage in basis points, a network-fee reserve covering the cost of moving the asset, and a conversion spread that applies only when the invoice currency differs from the settlement asset. There is no setup fee, no monthly fee, and no minimum volume.

1. Who pays it

Every invoice is quoted in one of two fee modes. The default is set per merchant and can be overridden per invoice.

• CUSTOMER_PAID — the fee is added on top. The customer pays amount + totalFee; you receive the full amount.
• MERCHANT_PAID — the fee is deducted from settlement. The customer pays the displayed amount; you receive amount − totalFee.

Either way the fee is taken at settlement, atomically, as part of the same ledger entry that credits your balance. You are never separately invoiced for fees.

2. Percentage component, by tier

1 bp = 0.01%. Every account starts on BRONZE. Tier changes are made by the operator on the merchant record — there is no automatic volume-based promotion today, so if you are processing at a level that should move you, ask rather than wait.

The FX spread applies only on conversion — a EUR-priced invoice settled in USDT, for example. Same-asset invoices do not attract it.

The risk reserve is a hold-back, not a charge we book as revenue. It is credited to a reserve account and shown on your balance as pending. As the Terms §9 says plainly, there is no automatic release mechanism for it today, and it counts as a balance for the purposes of account deletion.

A per-merchant rate override can replace the processing and margin components together, subject to a floor of 20 bps. An override does not remove the risk reserve, which is charged on top of it.

3. Network-fee reserve

A fixed per-asset amount added to every quote to cover moving the asset on chain. Its value comes from a per-unit catalogue, with a fallback where an asset has no entry, and it is returned in full in the quote before you or your customer commits to anything.

It is a reserve, not a pass-through. It is not reconciled against the gas actually spent: where it exceeds the real cost we keep the difference, and where it falls short we absorb it. We state it that way because “network fees at cost” would be untrue.

Per-asset values are not reproduced here. The authoritative figure for a given asset, network and amount is the one returned by GET /v1/quotes/fees, which gives the full breakdown — processing, margin, risk reserve, network reserve and total — before you commit. Read the quote, not a table.

4. Floors, caps and rounding

• Each fee component rounds up to the asset’s minor unit, and is never less than one minor unit.
• A profit floor applies: the total fee is never below the network reserve multiplied by a tier factor — 1.40× on BRONZE down to 1.15× on PLATINUM. On small payments this floor, not the percentage, is what you pay.
• A quote is rejected outright if the total fee would exceed 20% of the payment amount. Very small payments therefore cannot be quoted at all, and the API says so rather than quoting something uneconomic.

5. Quote and invoice windows

• Fee quote: 15 minutes. After that the quoted fee is no longer binding and must be re-requested.
• Invoice: 60 minutes. An unpaid invoice expires and its deposit address stops being watched for it.
• Conversion quote: 60 seconds, where a route is available at all.

Rate movement inside a window is ours; rate movement after one has expired is not. This is the mechanism referred to in the risk disclosure, §8.

6. Payouts and refunds

Withdrawing your balance costs a network fee, floored server-side to a per-asset minimum, debited from your balance in addition to the amount you are sending. A refund is debited the same way: the refunded amount plus its network fee, both from your balance. Processing fees on the original payment are not returned — see the refund policy, §4.

7. Sandbox

Sandbox usage is free, and where on-chain broadcast is not enabled on the deployment no fee is realised because no value moves. Sandbox quotes are computed with the same code as live ones, so the numbers you see while integrating are the numbers you will be charged.

8. Changes

Fee changes are published here at least 30 days before they take effect, and emailed to merchants who have given us an address. An anonymous account has no address to notify — this page is the only notice you will get.

9. Contact

[email protected]