[{"data":1,"prerenderedAt":774},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fstablecoin-payin-api-pricing":3,"resources-category-stablecoin-payin-api-pricing":759},{"title":4,"seoTitle":5,"description":6,"date":7,"updated":8,"category":9,"faq":10,"howto":8,"body":29},"Stablecoin payin API pricing: fees to expect and how to compare them","Stablecoin payin API pricing: fees and how to compare","Stablecoin API pricing for payins: the fee types to expect, a worked USD 10,000 example, a quote checklist, and what BlindPay charges.","2026-10-31",null,"payments",[11,14,17,20,23,26],{"q":12,"a":13},"How much does a stablecoin payin API cost?","There is no single price. Expect a payin fee (flat, percentage, or both), an exchange spread, possible network fees, and sometimes a monthly plan or minimum. Compare providers by the amount that lands in the wallet for the same deposit, not the headline rate. BlindPay combines a monthly plan with per-transaction fees shown in the live quote before you execute.",{"q":15,"a":16},"What is the cheapest stablecoin API?","The cheapest depends on your deposit size, rail, and monthly volume. A flat fee favors large deposits, a percentage fee favors small ones, and a low fee can hide a wide spread. Request a quote for your real transfer size from each provider and compare the delivered stablecoin amount side by side.",{"q":18,"a":19},"Does BlindPay publish a fixed rate card for payins?","No. BlindPay combines a monthly plan with per-transaction fees that vary by rail and network, and the fee breakdown appears in the live quote before you execute. The plans are on the pricing page. A few fixed charges are in the docs, such as $1.50 a month per US virtual account and a flat $1.00 on ACH pull.",{"q":21,"a":22},"What is a volume floor in stablecoin API pricing?","A volume floor is a minimum monthly volume a provider requires before it will onboard you or give you a rate. It matters most to early teams. BVNK, for example, states on its site that it works with businesses processing at least $500,000 a month, checked on 2026-10-31. Ask every provider whether one applies to you.",{"q":24,"a":25},"Who pays the payin fee, the sender or my customer?","On BlindPay you choose with the cover_fees setting on the payin quote. With false, the fee comes out of the stablecoins your customer receives. With true, the sender pays it on top of the fiat amount sent. You can also add your own partner fee, as a percentage, a flat amount, or both.",{"q":27,"a":28},"What hidden fees should I look for in a payin quote?","Look for a spread built into the exchange rate, separate network or gas charges, a fee that changes with deposit size, minimum monthly commitments, refund or failure fees, and extra charges for a rail. Ask for the fee breakdown on a real quote and check that the delivered amount equals the sum of the parts.",{"type":30,"value":31,"toc":746},"minimark",[32,36,45,50,69,73,76,171,183,187,190,193,196,293,297,300,303,306,318,322,325,332,434,437,440,457,461,464,506,509,541,545,551,554,647,660,682,686,689,693,740],[33,34,35],"p",{},"Expect a stablecoin payin to carry up to five costs: a payin fee (flat, percentage, or both), an exchange spread, possible network fees, a monthly plan or minimum, and sometimes extra charges for a specific rail. Compare providers on the stablecoins that land in the wallet for a real deposit size, not on the headline rate. BlindPay combines a monthly plan with per-transaction fees shown in the live quote.",[33,37,38,39,44],{},"A payin is the fiat-in half of a stablecoin flow. If the term is new, start with ",[40,41,43],"a",{"href":42},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin-payin-api","what is a stablecoin payin API",".",[46,47,49],"h2",{"id":48},"key-takeaways","Key takeaways",[51,52,53,57,60,63,66],"ul",{},[54,55,56],"li",{},"A payin price is a stack: fee, spread, network cost, plan, and rail extras.",[54,58,59],{},"Quote-based pricing is normal. The fix is to request a quote at your real transfer size and compare the delivered amount.",[54,61,62],{},"Volume floors and minimum commitments change the real cost for small teams.",[54,64,65],{},"Spread is usually the biggest hidden part. Ask whether the rate in the quote already includes it.",[54,67,68],{},"BlindPay does not publish a static rate card. It shows the fee breakdown in the live quote before you execute.",[46,70,72],{"id":71},"what-fees-apply-to-a-stablecoin-payin","What fees apply to a stablecoin payin?",[33,74,75],{},"Five kinds of fee can apply, and a provider may charge only some of them. This table is the checklist to bring to every sales call.",[77,78,79,98],"table",{},[80,81,82],"thead",{},[83,84,85,89,92,95],"tr",{},[86,87,88],"th",{},"Fee",[86,90,91],{},"When it applies",[86,93,94],{},"Who sets it",[86,96,97],{},"How to check it",[99,100,101,116,130,144,157],"tbody",{},[83,102,103,107,110,113],{},[104,105,106],"td",{},"Payin fee",[104,108,109],{},"Each deposit, flat, a percentage, or both",[104,111,112],{},"The provider",[104,114,115],{},"The fee line in a live quote",[83,117,118,121,124,127],{},[104,119,120],{},"Exchange spread",[104,122,123],{},"When fiat converts to a stablecoin, or between currencies",[104,125,126],{},"The provider and its liquidity source",[104,128,129],{},"Compare the quote's rate with a mid-market rate",[83,131,132,135,138,141],{},[104,133,134],{},"Network (gas) fee",[104,136,137],{},"When stablecoins are sent on-chain",[104,139,140],{},"The blockchain, passed through or absorbed",[104,142,143],{},"Ask whether it is itemized or built in",[83,145,146,149,152,154],{},[104,147,148],{},"Plan or minimum",[104,150,151],{},"Monthly, regardless of usage",[104,153,112],{},[104,155,156],{},"The plan page or contract",[83,158,159,162,165,168],{},[104,160,161],{},"Rail or failure charge",[104,163,164],{},"A specific rail, a refund, or a failed deposit",[104,166,167],{},"The provider, sometimes the bank",[104,169,170],{},"The fee schedule or docs",[33,172,173,174,178,179,44],{},"For a deeper breakdown of conversion costs, see ",[40,175,177],{"href":176},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained","crypto on-ramp fees explained"," and ",[40,180,182],{"href":181},"\u002Fresources\u002Fmore\u002Fstablecoin-api-pricing-explained","stablecoin API pricing: mint fees, spread, and what you actually pay",[46,184,186],{"id":185},"how-do-published-prices-differ-from-quote-based-pricing","How do published prices differ from quote-based pricing?",[33,188,189],{},"A published price is a number you can read before talking to anyone. A quote-based price is a number you get after you request it for a specific amount and rail. Both can be fair. The risk with published prices is that they exclude the spread. The risk with quote-based pricing is that you cannot model costs until you have talked to sales.",[33,191,192],{},"The practical test is the same for both: take one real deposit, get the price in writing, and compute what lands in the wallet.",[33,194,195],{},"Here is how some providers describe their pricing on official pages (all checked on 2026-10-31, confirm current terms before deciding):",[77,197,198,211],{},[80,199,200],{},[83,201,202,205,208],{},[86,203,204],{},"Provider",[86,206,207],{},"What its official pages say about pricing",[86,209,210],{},"Source",[99,212,213,227,248,263,278],{},[83,214,215,218,221],{},[104,216,217],{},"BlindPay",[104,219,220],{},"A monthly plan plus per-transaction fees shown in the live quote",[104,222,223],{},[40,224,226],{"href":225},"\u002Fpricing","blindpay.com\u002Fpricing",[83,228,229,232,235],{},[104,230,231],{},"Bridge",[104,233,234],{},"Fees are developer-configurable, and the site routes pricing questions to sales",[104,236,237,178,243],{},[40,238,242],{"href":239,"rel":240},"https:\u002F\u002Fwww.bridge.xyz",[241],"nofollow","bridge.xyz",[40,244,247],{"href":245,"rel":246},"https:\u002F\u002Fapidocs.bridge.xyz",[241],"apidocs.bridge.xyz",[83,249,250,253,256],{},[104,251,252],{},"BVNK",[104,254,255],{},"No pricing shown. The site states it works with businesses processing at least $500,000 a month",[104,257,258],{},[40,259,262],{"href":260,"rel":261},"https:\u002F\u002Fwww.bvnk.com",[241],"bvnk.com",[83,264,265,268,271],{},[104,266,267],{},"Circle",[104,269,270],{},"Mint and network pricing not shown on the pages reviewed",[104,272,273],{},[40,274,277],{"href":275,"rel":276},"https:\u002F\u002Fwww.circle.com",[241],"circle.com",[83,279,280,283,286],{},[104,281,282],{},"Zero Hash",[104,284,285],{},"No pricing shown on its homepage",[104,287,288],{},[40,289,292],{"href":290,"rel":291},"https:\u002F\u002Fzerohash.com",[241],"zerohash.com",[46,294,296],{"id":295},"what-is-a-volume-floor-and-why-does-it-matter","What is a volume floor and why does it matter?",[33,298,299],{},"A volume floor is a minimum monthly or annual volume a provider expects before it will onboard you or quote a rate. It matters because a small team can be priced out, or pay a minimum commitment that dwarfs its real usage.",[33,301,302],{},"BVNK states on its site that it works with businesses processing at least $500,000 in payments a month and with at least six months of operating history (checked on 2026-10-31). That is a reasonable policy for an enterprise platform. It is also a fact to check early if you are pre-launch.",[33,304,305],{},"Ask each provider these questions in writing:",[307,308,309,312,315],"ol",{},[54,310,311],{},"Is there a minimum monthly volume to onboard?",[54,313,314],{},"Is there a minimum monthly fee, and does it apply from day one?",[54,316,317],{},"Does the rate change at volume tiers, and where are they?",[46,319,321],{"id":320},"how-do-i-compare-total-cost","How do I compare total cost?",[33,323,324],{},"Compare the amount of stablecoin delivered for the same deposit, on the same rail, at the same time. The worked example below shows why.",[33,326,327,331],{},[328,329,330],"strong",{},"Illustrative, not BlindPay rates."," Assume a USD 10,000 ACH deposit that converts to USDC. The three structures are invented to show the method.",[77,333,334,350],{},[80,335,336],{},[83,337,338,341,344,347],{},[86,339,340],{},"Line",[86,342,343],{},"Structure A: flat fee",[86,345,346],{},"Structure B: percentage fee",[86,348,349],{},"Structure C: low fee plus minimum",[99,351,352,365,379,393,406,420],{},[83,353,354,356,359,362],{},[104,355,106],{},[104,357,358],{},"$15.00 flat",[104,360,361],{},"0.50% = $50.00",[104,363,364],{},"0.20% = $20.00",[83,366,367,370,373,376],{},[104,368,369],{},"Spread",[104,371,372],{},"0.30% = $30.00",[104,374,375],{},"0.10% = $10.00",[104,377,378],{},"0.40% = $40.00",[83,380,381,384,387,390],{},[104,382,383],{},"Network fee",[104,385,386],{},"$1.00",[104,388,389],{},"$0.00 (absorbed)",[104,391,392],{},"$2.00",[83,394,395,398,401,403],{},[104,396,397],{},"Monthly minimum, spread over 10 deposits",[104,399,400],{},"$0.00",[104,402,400],{},[104,404,405],{},"$500 \u002F 10 = $50.00",[83,407,408,411,414,417],{},[104,409,410],{},"Total cost",[104,412,413],{},"$46.00",[104,415,416],{},"$60.00",[104,418,419],{},"$112.00",[83,421,422,425,428,431],{},[104,423,424],{},"USDC delivered",[104,426,427],{},"9,954.00",[104,429,430],{},"9,940.00",[104,432,433],{},"9,888.00",[33,435,436],{},"Structure C has the lowest headline fee and the highest total cost. The ranking also changes with deposit size: at USD 500, the flat fee in A is 3% of the deposit, while B's percentage stays at 0.50%. Run the same table at your smallest, typical, and largest deposit.",[33,438,439],{},"A quick method:",[307,441,442,445,448,451,454],{},[54,443,444],{},"Pick three deposit sizes you expect.",[54,446,447],{},"Request a quote for each from every provider, on the rail you will use.",[54,449,450],{},"Record fee, rate, and delivered amount.",[54,452,453],{},"Add plan and minimum costs, divided by your monthly deposit count.",[54,455,456],{},"Compare the total as a percentage of the deposit.",[46,458,460],{"id":459},"what-hidden-fees-should-i-look-for","What hidden fees should I look for?",[33,462,463],{},"Look for any cost that does not appear as its own line in the quote. The usual suspects:",[51,465,466,472,478,484,494,500],{},[54,467,468,471],{},[328,469,470],{},"A spread inside the rate."," The fee line looks small while the rate is worse than the market.",[54,473,474,477],{},[328,475,476],{},"Fees that depend on deposit size."," Some are charged at transaction time, others collected later on an invoice.",[54,479,480,483],{},[328,481,482],{},"Network costs."," Check whether gas is passed through or absorbed, and on which chains.",[54,485,486,489,490,44],{},[328,487,488],{},"Failure and refund charges."," A failed deposit can carry a penalty. For example, BlindPay's docs state a flat $100.00 added to the billing fee when an OTC Pix payin fails because the deposit never arrives. See ",[40,491,493],{"href":492},"\u002Fresources\u002Fmore\u002Ffailed-late-or-mismatched-stablecoin-payins","failed, late, or mismatched payins",[54,495,496,499],{},[328,497,498],{},"Funding method costs."," A pull from a bank account can carry its own fee.",[54,501,502,505],{},[328,503,504],{},"Expiring quotes."," A price that expires in seconds, or one that is not locked at all.",[33,507,508],{},"Use this 10-line quote checklist on every provider:",[307,510,511,514,517,520,523,526,529,532,535,538],{},[54,512,513],{},"Which rail and currency is this quote for?",[54,515,516],{},"What is the exact deposit amount?",[54,518,519],{},"What is the payin fee, and is it flat, a percentage, or both?",[54,521,522],{},"Is the spread included in the rate, and what is the mid-market comparison?",[54,524,525],{},"Are network fees itemized or built in?",[54,527,528],{},"Who pays the fee, the sender or the receiver?",[54,530,531],{},"How long is the quote locked?",[54,533,534],{},"What is the minimum monthly fee or volume?",[54,536,537],{},"What happens on a failed or refunded deposit, and does it cost anything?",[54,539,540],{},"What is the delivered stablecoin amount, to the cent?",[46,542,544],{"id":543},"what-does-blindpay-charge","What does BlindPay charge?",[33,546,547,548,44],{},"BlindPay combines a monthly plan (platform access) with per-transaction fees that vary by rail and network. Those fees are disclosed in the live quote before you execute, and BlindPay does not publish a static flat rate card. The plans are on the ",[40,549,550],{"href":225},"pricing page",[33,552,553],{},"A few concrete charges that are in the docs:",[77,555,556,566],{},[80,557,558],{},[83,559,560,563],{},[86,561,562],{},"Item",[86,564,565],{},"What the docs say",[99,567,568,584,597,609,620,631,639],{},[83,569,570,573],{},[104,571,572],{},"Fee payer",[104,574,575,579,580,583],{},[576,577,578],"code",{},"cover_fees: false"," deducts the fee from the stablecoins the customer receives. ",[576,581,582],{},"cover_fees: true"," adds it on top of the fiat the sender sends.",[83,585,586,589],{},[104,587,588],{},"US virtual account",[104,590,591,592,596],{},"$1.50 per month per account (see ",[40,593,595],{"href":594},"\u002Fdocs\u002Fvirtual-accounts","virtual accounts",")",[83,598,599,602],{},[104,600,601],{},"ACH pull",[104,603,604,605,596],{},"A flat $1.00 on every pull, deducted from the amount actually pulled (see ",[40,606,608],{"href":607},"\u002Fdocs\u002Fpayins","payins",[83,610,611,614],{},[104,612,613],{},"Virtual account deposits under $100.00",[104,615,616,617,596],{},"The fee accrues to your invoice (",[576,618,619],{},"billing_fee_amount",[83,621,622,625],{},[104,623,624],{},"Virtual account deposits of $100.00 or more",[104,626,627,628,596],{},"The fee is charged at transaction time (",[576,629,630],{},"transaction_fee_amount",[83,632,633,636],{},[104,634,635],{},"Minimum quote",[104,637,638],{},"$5.00 for a payin quote request amount",[83,640,641,644],{},[104,642,643],{},"Your own margin",[104,645,646],{},"A partner fee adds a percentage and a flat amount per transaction on payins, set independently from payouts",[33,648,649,650,654,655,659],{},"Partner fees accumulate over the month, and BlindPay nets your outstanding invoice out of them before releasing the balance to you on the first day of the next month. The ",[40,651,653],{"href":652},"\u002Fdocs\u002Flearn\u002Fpartner-fees","partner fees docs"," have a worked example, and ",[40,656,658],{"href":657},"\u002Fresources\u002Fmore\u002Fpartner-fees-markup-on-live-quotes","how platforms add their own margin"," explains the pattern.",[33,661,662,663,666,667,670,671,674,675,677,678,44],{},"The payin quote returns the breakdown: ",[576,664,665],{},"blindpay_quotation"," (the rate including BlindPay's fee), ",[576,668,669],{},"flat_fee",", ",[576,672,673],{},"partner_fee_amount",", and ",[576,676,619],{},". Use those fields to build a fee display for your own customers. For virtual account costs in particular, see ",[40,679,681],{"href":680},"\u002Fresources\u002Fmore\u002Fvirtual-account-fees","virtual account fees",[46,683,685],{"id":684},"where-does-blindpay-fit","Where does BlindPay fit?",[33,687,688],{},"BlindPay offers payins over ACH, wire, RTP, SWIFT (through virtual accounts), Pix, TED, SPEI, Transfers, PSE, Bre-B virtual accounts, and card, delivering USDC or USDT to a customer-controlled wallet or an optional BlindPay-managed wallet (beta). Pricing is a monthly plan plus per-transaction fees from the live quote. The pattern for choosing: request a quote at your real size, compare the delivered amount, and read the fee fields the quote returns.",[46,690,692],{"id":691},"sources","Sources",[51,694,695,712,719,728,734],{},[54,696,697,698,701,702,670,705,670,708,711],{},"BlindPay, ",[40,699,700],{"href":225},"Pricing"," and docs: ",[40,703,704],{"href":607},"Payins",[40,706,707],{"href":594},"Virtual accounts",[40,709,710],{"href":652},"Partner fees"," (checked on 2026-10-31)",[54,713,714,715,718],{},"BVNK, ",[40,716,262],{"href":260,"rel":717},[241],", volume and operating history statement (checked on 2026-10-31)",[54,720,721,722,178,725,711],{},"Bridge, ",[40,723,242],{"href":239,"rel":724},[241],[40,726,247],{"href":245,"rel":727},[241],[54,729,730,731,711],{},"Circle, ",[40,732,277],{"href":275,"rel":733},[241],[54,735,736,737,711],{},"Zero Hash, ",[40,738,292],{"href":290,"rel":739},[241],[33,741,742],{},[743,744,745],"em",{},"This article is for general information only and is not legal, tax, or financial advice.",{"title":747,"searchDepth":748,"depth":748,"links":749},"",2,[750,751,752,753,754,755,756,757,758],{"id":48,"depth":748,"text":49},{"id":71,"depth":748,"text":72},{"id":185,"depth":748,"text":186},{"id":295,"depth":748,"text":296},{"id":320,"depth":748,"text":321},{"id":459,"depth":748,"text":460},{"id":543,"depth":748,"text":544},{"id":684,"depth":748,"text":685},{"id":691,"depth":748,"text":692},[760,765,770],{"path":761,"title":762,"description":763,"date":764},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-stablecoin-payin-api","How to choose a stablecoin payin API: a 12-question checklist","How to choose a stablecoin API provider for payins: 12 questions, a weighted scorecard, red flags, and a proof of concept plan for buyers.","2026-11-01",{"path":766,"title":767,"description":768,"date":769},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-payin-apis-2026","Best stablecoin payin APIs in 2026: 10 providers compared","The best stablecoin API for payins in 2026: 10 providers compared on rails, custody, pricing, and compliance, with a pick-by-use-case table.","2026-11-02",{"path":771,"title":772,"description":773,"date":7},"\u002Fresources\u002Fmore\u002Fadd-latam-bank-payments-to-existing-checkout","Add Pix, SPEI, and PSE to the checkout you already run","Keep your checkout and card gateway, add a Pay by bank option for Brazil, Mexico, Argentina, Colombia, and the US, and settle every payment in USD.",1794399383984]