# Fees

> What CoinCircuit charges per payment, payout, and refund.

Section: Pricing & Limits
Source: https://coincircuit.io/docs/guides/fees/
Interactive version: https://coincircuit.io/api-reference?tab=guides&guide=fees

## API reference

- GET `/api/v1/payouts/fees`: [Get payout fees](https://coincircuit.io/api-reference/#tag/payouts/GET/api/v1/payouts/fees)
- POST `/api/v1/payouts/cross-border/quote`: [Quote a cross-border payout](https://coincircuit.io/api-reference/#tag/payouts/POST/api/v1/payouts/cross-border/quote)

CoinCircuit charges a small fee per transaction. No setup fees, no monthly fees, no hidden costs. Every fee is shown before you confirm, and each settlement records the gross amount, the fee, and the net that reached your balance.

## Accepting payments
| Product | Fee |
| :--- | :--- |
| Payment links & invoices | 1% |
| Deposit accounts | 0.5%, capped at 2 USDT |
| x402 agent payments | Free |

The deposit account fee applies to customer deposit accounts. Deposits into your own merchant account are free.

## Payouts
Each payout charges a flat fee based on where the money goes.

| Destination | Fee |
| :--- | :--- |
| Cross-border payouts (Kenya, Ghana) | 2 USD, debited from the funding stablecoin |
| NGN bank transfer | ₦200 |
| Tron (TRC-20) | 1.5 USDT |
| Ethereum | 1.0 USDT |
| BNB Smart Chain | 0.5 USDT |
| Solana | 0.5 USDT |
| Base | 0.5 USDT |

## Refunds
| Action | Fee |
| :--- | :--- |
| Refund processing | 1.5 USDT |

## Swaps
Swaps have no separate fee. The rate you lock in the quote is the rate you settle at.

> Fees are returned by the API before you commit: `GET /api/v1/payouts/fees` for payout fees, `POST /api/v1/payouts/cross-border/quote` for cross-border payouts, and `GET /api/v1/swap/estimate` for swap rates.