---
url: /docs/learn/billing.md
description: >-
  How BlindPay charges for virtual accounts, transactions, and partner fees, and
  when invoices go out
---

BlindPay charges per active resource and per transaction. There is no setup fee and no monthly minimum. Development instances are always free.

## Virtual accounts

Each active virtual account costs **$1.50 per month**. This applies to US virtual accounts; the fee is charged on your invoice at the end of the billing cycle, not when the account is created.

| Account type | Cost |
| --- | --- |
| US virtual account | $1.50 / mo per active account |
| Brazil virtual account | Not yet published |

See [virtual accounts](/fiat/virtual-accounts) for how to create and manage virtual accounts.

## Transactions

Transaction fees vary by payment method and corridor, so BlindPay does not publish a flat rate card. Instead, every quote (payin, payout, or transfer) discloses the exact fee before you execute, so you always see the full breakdown before committing any funds.

The quote response includes:

| Field | Meaning |
| --- | --- |
| `sender_amount` | The amount the sender needs to send |
| `receiver_amount` | The amount the recipient receives |
| `partner_fee_amount` | The partner fee portion, if you have one configured |
| `flat_fee` | The flat fee portion, if any |
| `billing_fee_amount` | The BlindPay billing fee, charged via invoice at the end of the month |

Because the fee is locked into the quote at creation time, nothing changes between the quote and execution. If the quote expires before you execute, request a new one to get current pricing.

For payins and payouts, `cover_fees` determines who absorbs the fee: `false` means your customer's recipient amount is reduced by the fee (the common case), `true` means the fee is added on top of what the sender pays. See [receive](/fiat/receive) and [send](/fiat/send) for the full breakdown.

For payins, payouts, and transfers, `cover_fees` determines who absorbs the fee: `false` means the recipient amount is reduced by the fee (the common case), `true` means the fee is added on top of what the sender sends. See [receive](/stablecoin/receive), [send](/stablecoin/send), and [transfer](/stablecoin/transfer) for the full breakdown.

## Partner fees

You can add your own markup on top of BlindPay's fee using partner fees: a percentage or flat amount you configure per payin and per payout. BlindPay collects it from your customers as transactions happen, and releases the accumulated balance to you on the 1st of the following month, net of your own BlindPay invoice for that cycle.

See [partner fees](/learn/partner-fees) for how to configure, track, and withdraw partner fee revenue.

## Development instances

Development instances never generate invoices. Virtual accounts, payins, payouts, and transfers on a development instance are free to use while you build and test.

## Invoices

Invoices are generated at the end of each billing cycle and sent to the email address on your BlindPay account. Contact <support@blindpay.com> to update your billing contact.

## Related

* [Partner fees](/learn/partner-fees): add a markup on transactions and withdraw monthly revenue
* [Instances](/learn/instances): dev vs production capabilities
* [Virtual accounts](/fiat/virtual-accounts): account types, fees, and approval stages