> 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

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="/files/4Z6cemEGWYBq65j25XHJ" 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;**（\~5–10 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

{% 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**);
* **Payment processing and gateway costs**, including supported payment methods such as **PayPal, Apple Pay, Google Pay, and card payments**;
* **CoindPay platform and payment orchestration fees;**

**Volume-based tier pricing**, where unified fee rates decrease as transaction volume increases (e.g., **7%, 6.5%, 6% tiers**), with pricing tiers determined by **merchant profile, fintech partnerships, transaction volume, and payment models**.

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 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="359.059326171875">Item</th><th width="154.05859375">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>6%</td><td>-$6.00 USD</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>0.5%~1%</td><td>$0.50~$1.00 USD</td></tr><tr><td><strong>Final Merchant Settlement Amount</strong></td><td><strong>~88%</strong></td><td><strong>≈ $88.00 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="/files/WAvk6G0G7WeapWyokImq" 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="/files/rsecoSgnaKEudgag6nD7" alt=""><figcaption></figcaption></figure>

***

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

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

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

<figure><img src="/files/TeOi5Bp4CvbVtWAbidd9" alt=""><figcaption></figcaption></figure>

#### 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="371.05078125">Item</th><th width="151.443359375">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 Fee (Public Beta)</td><td>0%</td><td>$0.00</td></tr><tr><td>CoindPay Platform Fee (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="/files/5Y02oPS4mcETDk4okHci" 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="219.779296875">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., 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, 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>Up to 5% may apply based on risk profile</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.