Pay-ins
Visually configure payment acceptance, settlement assets, and fund routing in a single workflow.
CoindPay supports multiple Pay-ins and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.
Pay-in Options
CoindPay supports multiple payout and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.
1. Fiat Pay-in → Stablecoin Pay-out ✅
Status: Live（~3–10 minutes）
Supports 45+ fiat currencies globally (USD, EUR, GBP, JPY, etc.)
Settlement to stablecoins (USDT/USDC on EVM and SVM networks
Real-time processing and settlement
Settlement/Payout Assets
Supported stablecoin assets include widely adopted, compliance-focused, and highly liquid assets such as USDC and USDT.
EVM
Base
SVM
Solana
EVM
BSC
SVM
Solana
Fees & Pricing（Fiat-to-Stablecoin）
CoindPay Unified Fees = Risk Coverage + Payment Processing Costs + Banking & Gateway Fees + Settlement Infrastructure Costs + CoindPay Platform Fees（Volume-Based Tier Discounts）
The CoindPay Unified Fees includes:
Chargeback risk coverage (chargeback ratio must remain below 0.5%, e.g., no more than 5 chargebacks per 1,000 transactions, with cumulative chargeback losses capped at USD 1,000); Excess losses are borne by the merchant on a 1:1 basis; no additional penalties currently apply.
Payment processing and gateway costs, including supported payment methods such as PayPal, Apple Pay, Google Pay, Cash App, and Card payments;
CoindPay platform and payment orchestration fees;
CoindPay Unified Fees follow volume-based tiered pricing, with unified fee rates decreasing as transaction volume increases (e.g., 8%, 7.5%, 7%, 6.5%, 6%, and 5.5% tiers). Pricing tiers are determined based on factors including merchant profile, fintech partnerships, transaction volume, and payment model.
Additional variables, including KYC compliance verification costs (via providers such as Sumsub when applicable), FX fluctuations, digital asset settlement price variations (e.g., USDC market price deviations from USD parity), and blockchain network gas fees, may affect the final settlement amount（ These may apply to Card Payments and, with certain acquiring banks, Apple Pay / Google Pay transactions above EUR 700, while Cash App does not incur these additional service fees. ）
These variables are external market and infrastructure factors and may occasionally result in an effective settlement cost above the standard CoindPay Unified Fee. Historically, these adjustments typically represent approximately 1% in aggregate.
Example: $100 USD Consumer Payment Pay-in > Settlement
A consumer completes a $100 USD payment through CoindPay.
Consumer Payment Amount
100%
$100.00 USD
CoindPay Unified Fees
*% Volume-based pricing with lower rates at higher volumes
Example: 8% = $8.00 USD; 7% = $7.00 USD. ...
Rolling Reserves (if applicable)
5%
-$5.00 USD
Variable Settlement Adjustments (FX, On-chain Gas, KYC, etc.)
0.1%~1% ❇️ Cash App: 0%
$0.10~$1.00 USD
Final Merchant Settlement Amount
~87.5%（Example）
≈ $87.5 USDC/USDT
📊 Variable Settlement Adjustments may include:
KYC compliance verification costs (when applicable)
FX fluctuations
Digital asset settlement price variations (e.g., USDC/USD market deviation)
Blockchain network gas fees
💹 Rolling Reserves Applicability
A rolling reserve may be required depending on the merchant's risk profile, industry category, payment model, transaction volume, transaction history, and chargeback exposure.
The reserve percentage is determined on a case-by-case basis and is not a fixed requirement. Reserved funds are not a platform fee and will be released according to the agreed reserve release schedule, subject to applicable risk assessments, dispute handling, and settlement conditions.
Settlement & Funds Flow
End-to-End Fiat-to-Stablecoin Payment & Settlement Infrastructure.
Best suited for: Global merchants, cross-border payouts, and scenarios requiring fiat collection with crypto-native liquidity and faster capital efficiency.
2. Crypto Pay-in → Crypto Pay-out ✅
Status: Live（~15 seconds）
Supports 12+ major blockchain networks, including Base, Solana, BSC Chain, and others
Near-instant settlement, typically
Ultra-low network and processing fees
Fully on-chain, no banking dependency
Settlement/Payout Assets
Follow the same asset availability as supported pay-in assets.
Fees & Pricing（Crypto-to-Crypto）
CoindPay Unified Fees = Blockchain Costs + Infrastructure Costs + CoindPay Platform Fees
For Crypto Pay-in → Crypto Pay-out, CoindPay currently operates under a public beta fee structure:
Unified Fees: 0% (During Public Beta)
CoindPay Platform Fees: 0% (During Public Beta)
Rolling Reserve: Not Required
During the public beta phase, merchants can access fully on-chain crypto settlement with near-instant processing and optimized blockchain transaction costs.
Future Unified Fee structures may introduce volume-based tier pricing, with rates determined based on:
Transaction volume;
Merchant profile;
Fintech or ecosystem partnerships;
Payment model;
Operational and risk requirements.
Any future pricing updates will be announced by CoindPay in advance.
Example: $100 USDC Crypto Payment Pay-in > Settlement
Consumer Crypto Payment
100%
$100.00 USDC
CoindPay Unified Fees (Public Beta)
0%
$0.00
CoindPay Platform Fees (Public Beta)
0%
$0.00
Merchant Settlement Amount
≈100%
≈$100.00 USDC
Note: Blockchain network fees may apply depending on the selected network, transaction conditions, and wallet configuration. These costs are determined by the underlying blockchain network and are separate from CoindPay fees.
Best suited for: On-chain native use cases, Web3 applications, real-time payouts, and treasury operations requiring maximum speed and flexibility.
3. Fiat Pay-in → Fiat Pay-out ⏳
Status: Coming Soon (Under Legal Review & Product Development)
Settlement via EU and US banking rails
Expected settlement cycles: T+3~7~15
Slower settlement compared to crypto or stablecoin flows, but with lower overall fees
Best suited for: Cost-sensitive businesses, traditional financial operations, and jurisdictions where fiat-to-fiat settlement is required for regulatory or accounting reasons.
Settlement Characteristics
Crypto and stablecoin settlements are near real-time, driven by on-chain finality and instant liquidity availability.
Fiat settlements depend on banking infrastructure, including correspondent banks and local clearing systems, which introduces longer settlement cycles.
For fiat-in → stablecoin or fiat payouts, Rolling Reserves are mandatory to ensure risk management and regulatory compliance, especially in EU and US markets.
While slower, fiat-to-fiat settlement offers more competitive fees compared to faster settlement options.
Fees Structure Overview
CoindPay supports multiple settlement models designed for different payment scenarios. Each model applies a different fee structure based on payment rails, settlement methods, risk exposure, and operational requirements.
Payment Flow
Fiat payment → Stablecoin settlement
Crypto payment → Crypto settlement
Settlement Method
Off-chain payment rails + on-chain settlement
Fully on-chain settlement
Settlement Speed
Real-time settlement（~5–10 minutes）
Real-time settlement (~15 seconds)
Unified Fees Model
Volume-based tier pricing (e.g., 8%, 7.5%, 7%, 6.5%, 6% tiers)
0% during public beta
Payment Processing
Included (Cards, PayPal, Apple Pay/Google Pay, Cash App, local payment methods)
Not applicable
Banking Dependency
Required for fiat payment processing
No banking dependency
Chargeback Risk
Applicable
Not applicable
Blockchain Network Fees
May affect final settlement amount
Determined by selected blockchain network
Future Pricing Model
Volume-based pricing tiers
Future volume-based pricing may apply
Default pricing applies under CoindPay standard fee schedules. For detailed and up-to-date fee structures across different settlement methods, please contact the CoindPay Business or Sales team for confirmation.
Fees may vary based on transaction volume, settlement method, jurisdiction, and risk profile. Final pricing is determined after an initial business review and integration assessment.
High-risk merchants or industries are subject to additional review. For merchants classified as higher risk, CoindPay will conduct a business and transaction flow audit (including use case, volumes, and settlement behavior) before confirming applicable fees, limits, or settlement terms.
CoindPay reserves the right to adjust fees, settlement cycles, or reserve requirements based on ongoing risk monitoring, compliance obligations, and operational considerations.
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