> ## Documentation Index
> Fetch the complete documentation index at: https://documentation.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Understand Your Fees

> Transparent, predictable pricing on every transaction, card and crypto.

Suby charges a single flat fee per transaction. No setup fees, no monthly costs, no hidden charges.

## Card Payments

Card payments are charged a flat fee of **4% + \$0.40 per transaction**, deducted at payout time.

| Fee                    | Amount                      |
| ---------------------- | --------------------------- |
| Transaction fee        | 4% + \$0.40 per transaction |
| Payout to bank or USDC | +1%                         |
| Payout to Venmo        | Venmo standard rates        |
| Payout to PayPal       | PayPal standard rates       |

<Note>
  Card fees are deducted at payout time, not at transaction time. Your payout reflects the net amount after fees.
</Note>

## Crypto Payments

Crypto payments are charged **1.5% per transaction**, applied on-chain via smart contract at execution time.

| Fee             | Amount                                   |
| --------------- | ---------------------------------------- |
| Transaction fee | 1.5% per transaction                     |
| Payout fee      | None, settled instantly wallet-to-wallet |

<Note>
  There are no fixed fees on crypto payments. You receive the net amount directly in your wallet the moment the transaction confirms.
</Note>

## Why Fees Differ

Card payments involve traditional payment networks, issuing banks, and dispute handling, each introducing fixed and variable costs. Crypto payments settle directly on-chain with no intermediaries, which is why the fee structure is simpler and lower overall.

## Fee Visibility

All fees are fully visible in your dashboard, per-transaction breakdowns, net amounts received, and payout-level summaries. Nothing is hidden.