Setup fee
None
Open an account and take your first payment without paying anything up front.
Pricing
One rate to collect. Nothing to start.
0.8% on what you collect, on every channel. No setup fee, and nothing to pay for moving stablecoins to wallets your business owns.
To collect, on every channel
0.8%
- Checkout
- Payment links
- Invoices
- Terminals
Setup feeNone
The board
Every rate, on one board.
The rate for every product, in one place. Collecting costs the same on every channel, and nothing is charged before your first payment.
CollectionsCheckout, payment links, invoices and terminals
0.8%Bank payoutsTo your own bank account, in local currency
0.8%PayrollContractors paid in stablecoins, to their bank or by mobile money
0.8%Crypto payoutsTo wallets and Safes your business owns
0%OTC deskPriced by ChainPal as your counterparty
Quoted per tradeSetup feeNothing to pay before your first payment
NoneRates as of October 2026.
By product
What each product costs, and what comes with it.
Every collection channel costs the same. Moving money out is priced by where it goes, because a bank payout and a transfer to your own wallet are not the same job.
01Get paid
CheckoutHosted checkout sessions from your server, signed webhooks and test mode0.8% Payment linksReusable links, shared by WhatsApp, email or QR code0.8% InvoicesLine items, tax and discounts, part payments and customer credit0.8% TerminalsA terminal and QR poster per till, with no hardware to buy0.8%02Move money
Bank payoutsTo your own bank account in NGN, GHS, KES and ZAR0.8% Crypto payoutsTo your treasury or a wallet your business holds0% PayrollContractors paid by stablecoin, bank or mobile money in one run0.8% TreasuryA Safe owned by your passkeys, deployed on its first outflowFree to create OTC deskPriced by ChainPal as your counterpartyQuoted per tradeFree, and why
What costs nothing, and why it does not.
A setup fee usually pays for provisioning custody of your funds. ChainPal never holds them, so there is nothing to provision and nothing to charge for. What no setup fee actually means
Crypto payouts
0%
Settling stablecoins to your treasury or a wallet you hold carries no ChainPal fee.
Creating a treasury
Free
Create a Safe owned by your passkeys at no cost. It is deployed on its first outflow.
How OTC is priced
A firm price, before you commit.
ChainPal is the counterparty on every trade, so the price you see is the price you trade at. Rather than a percentage, each trade is quoted on its own, and you can counter, accept or withdraw.
- USDC and USDT against NGN, KES, GHS, ZAR and USD, in both directions
- Up to $250,000 per trade and $1M a month
- For verified businesses that apply for access
Questions
Pricing, answered.
Something not covered here? Write to help@chainpal.org and a person will answer.
Is there a setup fee?
No. There is nothing to pay before your first payment. You pay a share of what you collect, and what it costs to move money out depends on where it goes.
What does it cost to collect a payment?
0.8%, the same on every channel: Checkout, payment links, invoices and terminals.
What does it cost to be paid out?
Bank payouts, to your own account in local currency, are 0.8%. Crypto payouts, to your treasury or a wallet your business holds, are 0%.
How is payroll priced?
0.8%. A pay run pays every active contractor from your payroll treasury, by stablecoin, bank or mobile money, and every line settles in USDC.
How are OTC trades priced?
Each trade is quoted on its own by ChainPal as your counterparty. Smaller trades are priced instantly and the quote is firm for 10 minutes; larger trades are priced by a dealer and the quote is firm for 30. You see the price before you commit.
What does a treasury cost to set up?
Nothing. Creating a treasury is free, and its Safe is deployed on its first outflow.
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.