> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Fees > How each service is charged and where to check your terms 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](/en/guides/segregated-wallets) (`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](/en/guides/kyc)); 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](/en/guides/screenings)); the automatic withdrawal/deposit protection is free | | `banking_customer` | Fixed per profile | When creating your banking profile ([banking](/en/guides/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](/en/guides/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: ```json theme={"theme":{"light":"github-light","dark":"github-dark"}} { "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](/en/concepts/money-model#choose-which-balance-pays)): 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.