Fee breakdown

What you actually pay.

No subscription. No hidden fees. Every penny accounted for. Below is exactly how $100 from a customer splits between the card on-ramp and our flat 3% commission.

On cards — Apple Pay / Google Pay / Visa / Mastercard / Amex

Customer pays $100

Card on-ramp
passed-through, goes to the card processor
$4.50
Peptide-Pay commission
flat 3% — covers routing, settlement, webhooks
$3.00
You receive$92.50
USDC on your wallet
On crypto direct — USDT / USDC

Customer pays $100

Peptide-Pay commission
flat 3% — covers routing, settlement, webhooks
$3.00
You receive$97.00
USDC on your wallet
Who gets what

Two lines. Zero mystery.

Our flat rate
Peptide-Pay commission
3%

Covers routing, on-chain settlement, hosted checkout, webhooks, dashboard, and support. Same rate on cards or crypto.

Pass-through (cards only)
Card on-ramp
~4.5%

The card processor's fee to convert fiat → USDC. Charged to the customer at checkout. Crypto-direct: 0%. We don't see a cent of this.

Optional · No-KYC rail
SimplexNO KYC
5% / $10 min

Card on-ramp without ID verification. Customer enters just an email or phone, picks Apple Pay / Google Pay / card. Available on carts 100+ only — below that the $10 fixed fee makes it uneconomic.

Transparency

We don't markup the on-ramp. The card processor charges ~4.5% to convert fiat to USDC. We pass that exactly through — that fee doesn't flow through our books.

Every settlement is an on-chain USDC transfer on Polygon. You can verify every payment on PolygonScan. There's no spread, no markup on FX, no reserve, and no subscription.

Earnings calculator

What you actually keep each month.

Type your monthly volume and card/crypto split. We show exactly what lands in your wallet — and what the customer pays on top.

Card-paid volume
$7,000
On-ramp (customer pays)+$315
Peptide-Pay 3% commission$210
You receive (97%)$6790
Crypto-paid volume
$3,000
On-ramp (direct crypto)$0
Peptide-Pay 3% commission$90
You receive (97%)$2910
Net to your wallet
Flat 3% merchant fee on $10,000 gross — settled in USDC on Polygon.
$9,700
FAQ

Short answers, no fluff.

No. We only make money on commission — a flat 3% per transaction. No setup fee, no monthly, no minimum volume, no reserve.