Fees & Pricing

Pay.so does not charge you to receive payments, you receive every dollar you are owed. Because crypto does not incur FX charges, it can be even cheaper for the sender as well.

All fees are paid by the sender

WITH PAY.SO

Fee for receiver

Fee for sender

Stablecoin to bank transfer (e.g. USDC, USDT)

Free

0.4%
(a $10,000 transfer costs $10,040 to complete)

Non-stablecoin to bank transfer (e.g. ETH, BTC)

Free

0.95%
(a $10,000 transfer costs $10,095 to complete)

Crypto to crypto transfer using Cheq

Free

Free

Without PAY.SO

Traditional cross-currency bank payment

Free

~3.5% FX Fee
(a $10,000 transfer costs $10,350 to complete)

WITH Cheq

Stablecoin to bank transfer (e.g. USDC, USDT)

Free

Non-stablecoin to bank transfer (e.g. ETH, BTC)

Free

Crypto to crypto transferusing Cheq

Free

Without Cheq

Traditional cross-currency bank payment

Free

WITH Cheq

Stablecoin to bank transfer (e.g. USDC, USDT)

0.4% + $15

Non-stablecoin to bank transfer (e.g. ETH, BTC)

0.95% + $15

Crypto to crypto transferusing Cheq

Free

Without Cheq

Traditional cross-currency bank payment

~3.5% FX Fee + $25

Payout currencies we support

US Dollar

Euro

Brazilian Real

Mexican Peso

Australian Dollar

Chinese Yuan

Frequently asked questions

Is it possible for the receiver to pay fees instead?
Are any FX charges incurred if I get paid to an account currency that is not natively supported (e.g. GBP)?
Are there any additional monthly fees or subscription payments required?
Are there any payout minimums?