Introduction
Fees & Limits
Processing fees, fee pass-through, supported currencies and amount limits.
Fees by plan#
Fees are a percentage of each payment and are taken automatically when the payment settles. There are no setup or payout fees. Current plans are listed on the pricing page.
| Plan | Monthly | Card payments | Direct crypto |
|---|---|---|---|
| Starter | $0 | 8% | 1.5% |
| Catalyst | $59 | 5% | 1.5% |
The fee shown is the full price per payment, with no extra charges on top. API keys inherit the fees of your account, so every integration is billed the same way.
Passing the fee to the customer#
By default you pay the fee and receive the order amount minus fees. If you enable Payer covers fees in the dashboard, or send passFeeToCustomer: true through the API, PayLio raises the checkout amount so that you receive the full order amount.
The customer is charged:
| Payment type | Customer pays |
|---|---|
| Card | amount / (1 − card fee) |
| Direct crypto | amount / (1 − 0.015) |
Example on Starter: a 49.99 USD order becomes a checkout of 54.34 USD. The response and the webhook contain original_amount and customer_fee_amount so you can show the split on your invoice.
Currencies#
Card checkouts can be priced in:
USD(default),EUR,CAD,INRandGBP.
Card payments always settle as USDC on Polygon. Direct crypto payments settle in the coin the customer paid with.
Limits#
| Limit | Value |
|---|---|
| Amount per payment | 0.01 – 10,000 (including any passed-through fee) |
| Decimal places | At most 2 |
| Provider minimums | Each on-ramp has its own minimum, e.g. Wert ~1 USD, Transak ~15 USD, MoonPay ~30 USD. See Providers. |
| Crypto minimums | Per token and network, shown when you create the payment. |
| Active API keys | 10 per account |
multi provider lets the customer choose any provider whose minimum fits the order, which avoids most minimum-amount errors.