> For the complete documentation index, see [llms.txt](https://docs.coindpay.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coindpay.xyz/landing/start/customers/pay-ins.md).

# Pay-ins

Visually configure payment acceptance, settlement assets, and fund routing in a single workflow.

CoindPay supports multiple [Pay-ins](https://coindpay.xyz/pay) and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.

<figure><img src="https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FYhgZMNME8tLsYAE0Gmim%2Fimage.png?alt=media&amp;token=5f36bc0f-0245-4938-8566-635fe220239d" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Configure the payment method for your Payments Link (see illustration).
{% endhint %}

## 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:** Liv&#x65;**（\~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**.

{% hint style="info" icon="badge-dollar" %}
**USDC Settlement**
{% endhint %}

| Primary Wallet | Settlement Chain |
| -------------- | ---------------- |
| **EVM**        | **Base**         |
| **SVM**        | **Solana**       |

{% hint style="info" icon="circle-dollar" %}
**USDT Settlement**
{% endhint %}

| Primary Wallet | Settlement Chain |
| -------------- | ---------------- |
| **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.

<table><thead><tr><th width="302.440185546875">Item</th><th width="212.306640625">Rate</th><th>Amount</th></tr></thead><tbody><tr><td>Consumer Payment Amount</td><td>100%</td><td>$100.00 USD</td></tr><tr><td>CoindPay Unified Fees</td><td><strong>*%</strong><br>Volume-based pricing with lower rates at higher volumes</td><td><strong>Example:</strong> <br>8% = <strong>$8.00 USD</strong>; <br>7% = <strong>$7.00 USD</strong>.<br>... </td></tr><tr><td>Rolling Reserves (if applicable)</td><td>5%</td><td>-$5.00 USD</td></tr><tr><td>Variable Settlement Adjustments (FX, On-chain Gas, KYC, etc.)</td><td>0.1%~1%<br>❇️ Cash App: 0%</td><td>$0.10~$1.00 USD</td></tr><tr><td><strong>Final Merchant Settlement Amount</strong></td><td><strong>~87.5%</strong>（Example）</td><td><strong>≈ $87.5 USDC/USDT</strong></td></tr></tbody></table>

📊 **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** [Rolling Reserves](/landing/start/partners/rolling-reserves.md#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.

<figure><img src="https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FfS36Up73nEl4lrm1ZVWq%2FChatGPT%20Image%20Apr%2016%2C%202026%2C%2003_20_59%20PM.png?alt=media&amp;token=2467b509-46ea-438d-880d-c7eb65e7f8a8" alt=""><figcaption></figcaption></figure>

**Best suited for:**\
Global merchants, cross-border payouts, and scenarios requiring fiat collection with crypto-native liquidity and faster capital efficiency.

<figure><img src="https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2F7LsoUqzKJHmGkJ7AJuqR%2Fimage.png?alt=media&amp;token=57961724-2f3a-4b61-9e60-27b0a7e85df2" alt=""><figcaption></figcaption></figure>

***

### 2. Crypto Pay-in → Crypto Pay-out  ✅

**Status:** Liv&#x65;**（\~15 seconds）**

* Supports 12+ major blockchain networks, including Base, Solana, BSC Chain, and others
* Near-instant settlement, typically&#x20;
* Ultra-low network and processing fees
* Fully on-chain, no banking dependency

<figure><img src="https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FSr4qGF1v2ytnEquJPDC9%2Fimage.png?alt=media&amp;token=75880b9d-57cd-4f78-93ff-9f6e4b6ebec0" alt=""><figcaption></figcaption></figure>

#### 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**

<table><thead><tr><th width="317.419921875">Item</th><th width="179.322265625">Rate</th><th>Amount</th></tr></thead><tbody><tr><td>Consumer Crypto Payment</td><td>100%</td><td>$100.00 USDC</td></tr><tr><td>CoindPay Unified Fees (Public Beta)</td><td>0%</td><td>$0.00</td></tr><tr><td>CoindPay Platform Fees (Public Beta)</td><td>0%</td><td>$0.00</td></tr><tr><td><strong>Merchant Settlement Amount</strong></td><td><strong>≈100%</strong></td><td><strong>≈$100.00 USDC</strong></td></tr></tbody></table>

**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](/landing/start/partners/rolling-reserves.md) **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.&#x20;

***

<figure><img src="https://4241769897-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FSH3Edva2xmXt469sOUlR%2Fuploads%2FkEn5vXNnGMQhWxjJ1Srm%2FFireShot%20Capture%20904%20-%20CoindPay%20Account%20Billing%EF%BD%9CPay%2C%20Settle%2C%20Scale%20%E2%80%94%20with%20Fiat%20or%20Stableco_%20-%20%5B127.0.0.1%5D.png?alt=media&amp;token=1f16edcf-046d-4d2d-9a18-ba771c48b74d" alt=""><figcaption></figcaption></figure>

## 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.

<table><thead><tr><th width="180.673828125">Item</th><th>Fiat Pay-in → Stablecoin Pay-out</th><th>Crypto Pay-in → Crypto Pay-out</th></tr></thead><tbody><tr><td><strong>Payment Flow</strong></td><td>Fiat payment → Stablecoin settlement</td><td>Crypto payment → Crypto settlement</td></tr><tr><td><strong>Settlement Method</strong></td><td>Off-chain payment rails + on-chain settlement</td><td>Fully on-chain settlement</td></tr><tr><td><strong>Settlement Speed</strong></td><td>Real-time settlement（~5–10 minutes）</td><td>Real-time settlement (~15 seconds)</td></tr><tr><td><strong>Unified Fees Model</strong></td><td>Volume-based tier pricing (e.g., 8%, 7.5%, 7%, 6.5%, 6% tiers)</td><td>0% during public beta</td></tr><tr><td><strong>Payment Processing</strong></td><td>Included (Cards, PayPal, Apple Pay/Google Pay, Cash App, local payment methods)</td><td>Not applicable</td></tr><tr><td><strong>Banking Dependency</strong></td><td>Required for fiat payment processing</td><td>No banking dependency</td></tr><tr><td><strong>Chargeback Risk</strong></td><td>Applicable</td><td>Not applicable</td></tr><tr><td><strong>Rolling Reserve</strong></td><td><a data-mention href="/landing/start/partners/rolling-reserves.md#reserve-rate">Rolling Reserves</a></td><td>Not required</td></tr><tr><td><strong>Blockchain Network Fees</strong></td><td>May affect final settlement amount</td><td>Determined by selected blockchain network</td></tr><tr><td><strong>Future Pricing Model</strong></td><td>Volume-based pricing tiers</td><td>Future volume-based pricing may apply</td></tr></tbody></table>

* **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.