Pricing
A percentage of what you receive
No monthly fee. No setup fee. Nothing for invoices that go unpaid. Gas for collecting your funds is included.
Taken by the contract when your payment is collected. Nothing to deposit, no monthly fee, and nothing owed on an invoice nobody pays.
How a $1,000 payment settles
Current rates
Ethereum costs us far more per collection, and the rate reflects that rather than being averaged across everyone. Each token also carries a minimum fee, higher on Ethereum for the same reason — so small payments belong on BNB Smart Chain. The minimum for each token is shown before you raise an invoice.
One transaction, split by the contract holding the payment. The $990.00 can only go to the wallet you registered — that part is enforced by code, not by us.
How the fee is taken
One transaction moves your money and pays us. Nothing to fund, nothing to run out of.
Register your wallet
Sign a message from the wallet you want to be paid into. That address is recorded on-chain, and only a signature from that same wallet can change it.
Hand out addresses
One per invoice, or one per customer that never expires. As many as you like, costing nothing — you have not paid us anything at this point and do not need to.
Get paid, minus the fee
When a payment is collected, the contract sends us our fee — the invoice’s rate, or the current rate for a permanent address, and never less than the token’s minimum — and the rest to your wallet, in the same transaction. That is the entire billing relationship.
Questions
Why is the rate different on each network?
Because collecting a payment costs us a transaction on that network, and the same collection costs far more on Ethereum than on BNB Smart Chain. One rate across both would either lose money on the expensive one or overcharge everybody on the cheap one. You see the rate for a network before you raise an invoice on it.
Which network should I ask my customers to pay on?
BNB Smart Chain, unless you have a reason not to. The rate is half what Ethereum charges, and the per-token minimum fee is lower, because collecting a payment costs us a fraction there of what the same collection costs on Ethereum. On a small payment the percentage is not what you pay — the minimum fee is, and on Ethereum that minimum has to cover a transaction that is genuinely expensive. So small payments suit BNB Smart Chain and large ones are closer to even. Ethereum is there because some customers will only send on Ethereum. It is not the cheaper option, and we would rather you read that here than work it out from your first invoice.
Can the rate change on an invoice I have already sent out?
No, and not as a policy — as a property of how the address is made. The rate is part of what the payment address is derived from, so changing our rate produces a different address entirely and cannot reach one already given to a customer. The percentage on an invoice is binding the moment it exists. Two things are not fixed: the per-token minimum fee, which is read when the payment is collected, and the rate on addresses that belong to a customer permanently, which follows the current rate because they receive indefinitely and freezing one would mean honouring last year’s price forever.
How is the fee taken?
By the contract that holds your payment, at the moment it moves the money. It sends our percentage to us and the rest to your wallet, in a single transaction. There is no invoice from us, no balance to keep funded, and no way for a payment to be collected without the fee going with it.
Do I have to deposit anything to start?
No. Create an account, register the wallet you want to be paid into, and start issuing addresses. You can generate ten thousand of them having never sent us anything — we are paid out of the first payment that arrives, not before.
Can you change the fee after I have started?
Yes, and you should know exactly how. A new rate applies to invoices created after the change; invoices already issued keep theirs. Permanent customer addresses are charged the rate current when a payment is collected — including money that has arrived but not been collected yet. The per-token minimum fee is also read at collection time, for every address.
Who pays the fee — me or my customer?
You choose per invoice. By default it comes out of the payment. Set the customer to pay it and the invoice is raised by the fee, so your customer pays a little more and you receive the full amount you asked for.
Could you set the fee to 100% and take everything?
The contract allows a rate of up to 100% and puts no ceiling on the per-token minimum fee, so this rests on us not doing it rather than on code preventing it. Both are set from a wallet we keep offline — the key on our server cannot change either, which is why our own admin panel cannot push a fee change and we sign those by hand on the explorer. What the contract does enforce is where the rest goes: the remainder can only be sent to the wallet you registered, and changing that wallet needs a signature from the wallet itself plus a 24-hour delay. We can affect how much you receive. We cannot affect who receives it.
Is there a minimum?
Yes, per token and per network. Each token has a minimum fee, so collecting a tiny payment is not worth less than the transaction that collects it — the fee is the percentage or that minimum, whichever is larger. The numbers are set per token and change with what a collection actually costs, so we do not print them here: the invoice form and GET /api/v1/invoices/chains tell you the smallest amount each token accepts on each network, before you raise anything. An invoice you pay the fee on must be larger than the minimum fee. If a payment arrives that is too small to clear the minimum, it is left where it is rather than consumed by the fee, and collected once more arrives at that address.
Do I pay for invoices nobody pays?
No. The fee is charged on money you actually receive, so an unpaid or expired invoice costs nothing.
Who pays the gas for moving my funds?
We do. Collecting funds from a payment address into your wallet costs a transaction and that is ours to cover, which is why the rate differs by network — the same collection costs far more on Ethereum than on BNB Smart Chain.
What tokens and chains are supported?
USDT and USDC, on BNB Smart Chain and Ethereum. Both of their test networks run the same contracts with the same tokens, so you can try the whole path with a test key first. Tron is in progress: the adapter is built, no contracts are deployed there, and no address is issued on it.
When are small payments collected?
Balances under the collection threshold for that token and network are batched with others and collected within 24 hours, so gas is not spent moving a few cents at a time. The threshold is higher on Ethereum than on BNB Smart Chain, because the transaction that collects it costs more. The Collections page says why each balance is still sitting there and when it goes out regardless. A part-paid invoice is collected once it completes, expires, or you accept it short.
Before you plan around this
The contracts are live on BNB Smart Chain and Ethereum, and have not been through an external security audit. The rates above are what the networks charge today; a change to either applies to invoices created afterwards and never to one already issued. The security page sets out exactly what is and is not finished.