Fees for collecting, receiving and sending money
TroqPay fees depend on the type of transaction, the currency and the payment method used to move funds.
You can use TroqPay to collect Pix payments from your customers, receive money across different markets and send
payments in local currencies.
Before confirming a transaction, you can review the applicable conditions.
How your account balance works
When you receive money in one of the supported currencies, the amount is converted into digital dollars (USDC) and
becomes available as your TroqPay account balance.
When you send a payment, the amount is taken from your USDC balance and settled in the recipient's selected local
currency.
This means you do not need to maintain separate balances in USD, EUR, BRL or other currencies.
Collect payments
Use checkout, payment links or API to collect Pix payments from your customers.
| Plan | Fee | Monthly fee | | ---------- | ------------------------------ | ----------- | | Start | 2.99% per approved
payment | BRL 0 | | Growth | 2.74% per approved payment | BRL 129.90 |
Minimum fee: BRL 1.99 per transaction.
What is the difference between collecting and receiving BRL?
Collecting means your customer pays your business through TroqPay checkout, a payment link or API.
Receiving BRL, shown in the next section, is part of your Global Account money movement and follows a different fee
structure.
Receive money
You can receive money in BRL, USD, EUR and MXN.
The amount received is converted into digital dollars (USDC) and becomes available in your TroqPay account balance.
| Currency | How you receive | Fee | | -------- | --------------------------- | ----------------- | | BRL | Pix | 1.49%
| | USD | ACH | 1.49% + US$1 | | USD | Domestic Wire | 1.49% + US$15 | | USD | SWIFT | 1.49% + US$25 | | EUR | SEPA
Instant or SEPA Credit | 1.49% + US$2 | | MXN | SPEI | 1.49% + US$1 |
Example
If your business receives EUR through SEPA, the fee will be:
1.49% of the amount received + US$2.
After the transaction, the net amount will be available in your TroqPay account as digital dollars (USDC).
Send money
Use your TroqPay account balance to make payments across different markets.
| Currency | How you send | Fee | | -------- | --------------------------- | ----------------- | | BRL | Pix | 1.49% | |
USD | Domestic FedWire | 1.49% + US$15 | | EUR | SEPA Instant or SEPA Credit | 1.49% + US$2 | | MXN | SPEI | 1.49% +
US$2 | | ARS | Transfer 3.0 | 1.69% + US$2 |
Example
If you use your TroqPay balance to send EUR through SEPA, the fee will be:
1.49% of the amount sent + US$2.
Your digital dollar (USDC) balance is converted and the recipient receives the payment in EUR.
What if I receive in one currency and later send in another?
Receiving and sending are separate transactions.
For example, if your business receives EUR through SEPA and later sends BRL through Pix, the applicable fee will be
charged for each transaction:
Receive EUR: 1.49% + US$2
Send BRL: 1.49%
You can keep the amount received in your TroqPay balance and decide when and where to send it.
Withdrawals to blockchain wallets
Currently, you can withdraw USDC or USDT from your TroqPay account to an external wallet on the Solana network.
Total TroqPay fee per withdrawal: 1 USDC for USDC withdrawals and 1 USDT for USDT withdrawals. The fee is added to the
amount sent and shown before confirmation.
| Network | USDC | USDT | | ------- | ---- | ---- | | Solana | ✅ | ✅ |
Important: confirm that the asset, Solana network, and destination wallet address are correct before confirming. Sending
funds using another asset or network, or to an incompatible address, may result in the permanent loss of funds.
If you need another asset or network, contact the TroqPay team before confirming the transaction.
Banking fees
Some payment methods include a fixed banking fee in addition to the TroqPay percentage fee.
Examples include ACH, Wire, FedWire, SWIFT, SEPA, SPEI and Transfer 3.0.
Whenever a fixed fee applies, it will be shown together with the transaction fee.
Businesses with custom commercial terms
If your business already has a proposal or agreement with TroqPay, the commercial terms stated in that document will
apply.
Before confirming a transaction
Before completing a transaction, review the currency and payment method, transaction amount, applicable fee, exchange
rate, estimated amount to be received and estimated settlement time.
Fees, limits, available payment methods and settlement times may vary depending on the currency, country, business
profile and transaction characteristics.
If you have any questions, contact the TroqPay team before confirming the transaction.
