Pricing
How pricing works
Copay charges on three lines, with no hidden items. Your actual rates are agreed commercially, based on your volume and use case.
Pay-in
Your contracted rate × amount, with a per-transaction minimum
In order mode the payer covers it by default (switchable to merchant-paid). In deposit-address mode the merchant covers it, deducted from the balance on settlement.
Payout (same chain)
A flat fee per transfer, deducted from your balance
Charged separately from the payout amount and independent of its size, so you can price it into your own product directly.
Cross-chain payout
Your contracted rate, within a per-transfer floor and cap
Same asset across chains (e.g. Ethereum USDT out to TRON USDT), within an amount range. Converting between assets on payout is not supported.
What shapes your quote
- Monthly volume and how fast it is growing
- Which assets and chains you collect on
- Split between order mode and deposit-address mode
- Payout frequency and typical transfer size
- Whether you also use the business U Card or Agentic Payment
How we price
- Rates are written down before you integrate: how each line is calculated, who pays it, and when it is charged.
- Priced on volume, not on pitch: quotes follow your real business, not a fixed list price.
- Every charge is auditable: the console and the API both show exactly what was deducted, so month-end reconciles on your side.
Want a quote for your setup?
Leave your business details and the commercial team will come back with concrete rates for your case — or reach our support group directly; we usually reply within a few hours during business hours.