Docs / Concepts / Fees
Fees.
One number, on-chain, in the same transaction as settlement. There is no monthly fee, no setup fee, no rolling reserve, no chargeback fee, no cross-border surcharge.
The 0.5%.
Settle takes a flat 0.5% of every successful transaction. The fee is encoded in the router contract as feeBps = 50 and applied atomically to every payInvoice call. There is no tier, no volume discount, no enterprise pricing. 0.5% at $100, 0.5% at $100,000.
| Sale | Settle fee | Merchant receives |
|---|---|---|
$100.00 | $0.50 | $99.50 |
$1,000.00 | $5.00 | $995.00 |
$10,000.00 | $50.00 | $9,950.00 |
$100,000.00 | $500.00 | $99,500.00 |
Where it comes out.
The customer pays the sticker price. The merchant absorbs the fee out of settlement. Customer pays $100, merchant receives $99.50, treasury receives $0.50, all in one on-chain transaction. The router does the split before either recipient sees the funds.
This matches how every other payments processor presents pricing. We considered surfacing the fee to the customer at checkout (“you pay $100.50”) and rejected it: it complicates the math, surprises the customer, and reads like crypto-tax-on-everything. The merchant knows what 0.5% is. The customer doesn’t need to.
No FX, no spread.
Same token in, same token out. USDC stays USDC, USDT stays USDT. Settle does not convert, does not quote a rate, does not take an FX spread. There is one fee, it’s 0.5%, and you can verify the math by reading the on-chain event.
Gas.
The customer pays network fees. We surface a dollar estimate at checkout next to each chain option:
| Chain | Token | Network fee, typical |
|---|---|---|
base | USDC | ~$0.01 |
Gas is paid in the chain’s native token, not USDC/USDT. If the customer’s wallet doesn’t have enough native token to cover gas, the wallet shows them; we do not silently top them up.
USDT on Ethereum.
USDT-on-Ethereum is the most-requested chain and the most expensive for the customer. To keep gas honest relative to the invoice amount, Ethereum is opt-in for the merchant and only shown for invoices of $1,000 or more. The merchant flips it on once via enable_usdt_ethereum and can set their own minimum invoice value above the $500 floor.
Below that threshold the option is hidden from the customer. We do not charge them $20 of gas to settle a $40 invoice.
Failed and expired invoices.
No transaction, no fee. An invoice that expires, is voided, or is never paid costs the merchant nothing. We charge on settlement, never on intent.
See Settlement for the atomic split mechanic and Non-custodial for where the merchant’s 99.5% actually goes.