Pricing
Transparent pricing. No surprises.
Pay only for what you send. No monthly minimums, no hidden fees. Scale from your first payout to millions.
Starter
+ $0.50 per transaction
Growth
+ $0.25 per transaction
Enterprise
Custom transaction fee
How pricing works
Every payout has two cost components: an FX spread and a per-transaction fee.
FX Spread
Applied as a percentage markup over the mid-market exchange rate. The spread covers our cost of sourcing local currency liquidity and risk management. The locked rate is valid for 60 seconds after quote creation.
Transaction Fee
A flat fee deducted from the USDC amount you deposit, regardless of payout size. This covers the network cost of submitting to the mobile operator and our platform overhead.
Example calculation (Growth plan)
Feature comparison
Frequently asked questions
What exactly is the FX spread?
The FX spread is a percentage applied to the mid-market exchange rate. For example, at 1.5% spread, if the mid-market rate for UGX is 3,800 per USD, we apply a rate of approximately 3,742.93 per USD. This spread covers our cost of sourcing local currency and our profit margin.
Are there any monthly minimum fees?
No. We charge only on transactions you send. If you send nothing in a given month, you pay nothing. There are no platform fees, subscription fees, or minimums on the Starter and Growth plans.
What happens if I exceed my monthly limit?
If you approach your monthly limit, we will send you an email notification at 80% and 95%. Once the limit is reached, new payouts will be queued for the next calendar month or you can upgrade your plan. Enterprise customers have no hard limits.
How does the transaction fee work for partial USDC amounts?
The transaction fee is a flat per-payout fee in USD, deducted from the USDC you send. So a $25.50 USDC payout on Starter incurs a $0.50 fee, and the recipient receives the equivalent of $25.00 at the locked FX rate.
Is there a free trial or sandbox?
Yes. All accounts — including Starter — get full access to the sandbox environment at api-sandbox.settlra.io. Sandbox transactions are free and unlimited, using simulated FX rates. No credit card is required to sign up and access the sandbox.
Still have questions?
Our team is happy to walk you through the pricing model and find the right plan for your use case.