Fees

Fees are configured by CBPay per service, country and asset. When nothing is configured for a combination, the fee is 0.

How payouts and payins are charged

FX pricing lives in your exchange rate: the rates you see in GET /v1/rates are your rates, and they are exactly the ones used at execution — no separate percentages. Each country carries both sides:

rate — the rate for your payouts (dispersals). If you disperse the equivalent of 100 USDT, you are debited 100 USDT plus the fixed fee (when configured for your account).
payin_rate — the rate for your payins (fiat collections/deposits). The credit is the local amount converted at that rate, minus the fixed fee (when configured for your account).

payout:  usdt_amount   = local_amount / rate
         total_debit   = usdt_amount + fixed_amount
payin:   usdt_gross    = local_amount / payin_rate
         usdt_credited = usdt_gross − fixed_amount

What the beneficiary receives (payout) or what you are credited (payin) depends on your account’s rates for that country. Quoted = charged, always.

Services with fixed or percent fees

Service	How it is charged	When
`payout`	Fixed per operation (FX pricing is already in your rate)	At payout creation (included in `total_debit`)
`payin`	Fixed per operation (FX pricing is already in your `payin_rate`)	On credit (you receive `usdt_gross − fee`)
`funding`	`%` over the deposit + fixed	When the on-chain deposit is credited
`withdrawal`	`%` over the withdrawal + fixed	At creation (included in `total_debit`)
`wallet_creation`	Fixed per wallet	On every wallet creation (persons: 1 per network; companies: unlimited). Fetching existing wallets is always free
`wallet_import`	Fixed per import	When importing an external wallet into a segregated wallet (`POST /v1/segregated-wallets/import`)
`wallet_export`	Fixed per export	When exporting a segregated wallet’s private key (`POST /v1/segregated-wallets/{id}/export`)
`wallet_send`	Fixed per send	When sending on-chain from a segregated wallet (`POST /v1/segregated-wallets/{id}/sends`); network gas is on the client
`compliance_person`	Fixed per call	When AML-screening a person (`POST /v1/aml/screenings`)
`compliance_company`	Fixed per call	When AML-screening a company
`compliance_rescreen`	Fixed per call	When re-running an AML screening
`compliance_monitoring`	Fixed per activation	When enabling continuous AML monitoring (disabling is free)
`kyc_verification`	Fixed per verification	When creating a third-party KYC link or submission (verification); your own onboarding is free
`kyb_verification`	Fixed per verification	When creating a third-party KYB link or submission
`address_screening`	Fixed per scan	When assessing a blockchain address’ risk (wallet screening); the automatic withdrawal/deposit protection is free
`banking_customer`	Fixed per profile	When creating your banking profile (banking)
`banking_account`	Fixed per account	When opening each bank account
`banking_operation`	Fixed per payment	When sending each bank payment (quoting with `prepare` is free)
`card_creation_virtual`	Fixed per card	When issuing a virtual card (cards)
`card_creation_physical`	Fixed per card	When issuing a physical card
`card_monthly`	Fixed monthly	Monthly fee per active card (with no balance the card is frozen — no debt)
`card_cancellation`	Fixed per card	When cancelling a card

For %-based services the formula is fee = ceil(amount × percent / 100) + fixed_amount (rounded up to the micro-USDT).

Standalone fixed charges (compliance, KYC/KYB verification, wallet creation and banking) are refunded automatically if the upstream operation fails (compliance_refund / verification_fee_refund / wallet_creation_refund / wallet_service_refund / banking_fee_refund).

Internal transfers: always free

Transfers between CBPay accounts (POST /v1/transfers) carry no fee, regardless of the combination: person↔person, person↔company or company↔company. The money moves inside the ecosystem.

Your exchange rate

GET /v1/rates returns your account’s own exchange rate for each country — the same rates your operations execute at, no surprises: rate for payouts and payin_rate for payins (local_amount / rate = USDT).

Check your terms

GET /v1/rates returns, along with your rates, the fee configuration currently applied to your account:

{
  "base": "USD",
  "rates": { "chile": { "currency": "CLP", "rate": "950.25", "payin_rate": "955.10" } },
  "asset_prices": {
    "USDT": { "currency": "USD", "unit": "usdt", "price": "1" },
    "USDC": { "currency": "USD", "unit": "usdc", "price": "1" },
    "BTC": { "currency": "USD", "unit": "btc", "price": "109853.24" },
    "GOLD": { "currency": "USD", "unit": "gram", "price": "107.5341" }
  },
  "fees": [
    {
      "service": "payout",
      "country": "CL",
      "asset": "USDT",
      "percent": "0",
      "fixed_amount": "0.30"
    }
  ]
}

asset_prices is the reference USD price of each virtual balance (to value them on screen) — it implies no conversion and no spread. The response also includes a settlement block with the effective price per asset if you pay operations from a balance other than USDT (money model): that price already includes the conversion margin, so what you see is what applies. The charged fee is always explicit in each operation’s response (fee field) and in the ledger.

Full example

A payout equivalent to 100 USDT with fixed_amount: "0.30":

usdt_amount = 100 USDT           (local_amount / rate)
fee         = 0.30 USDT          (fixed)
total_debit = 100.30 USDT

The beneficiary receives the full local amount you specified; you are debited the equivalent at your rate plus the fixed fee. A payin equivalent to 100 USDT with fixed_amount: "0.30":

usdt_gross    = 100 USDT         (local_amount / payin_rate)
fee           = 0.30 USDT        (fixed)
usdt_credited = 99.70 USDT

The payer pays the exact local amount you specified; you are credited the equivalent at your payin_rate minus the fixed fee.

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How payouts and payins are charged

Services with fixed or percent fees

Internal transfers: always free

Your exchange rate

Check your terms

Full example

​How payouts and payins are charged

​Services with fixed or percent fees

​Internal transfers: always free

​Your exchange rate

​Check your terms

​Full example

How payouts and payins are charged

Services with fixed or percent fees

Internal transfers: always free

Your exchange rate

Check your terms

Full example