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This page covers pricing for MoR mode. If you’re on PayFac mode, see Fees (PayFac) instead. Suby charges a single flat fee per transaction. No setup fees, no monthly costs, no hidden charges.

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Card Payments

Merchant of Record

4% + $0.40 per transaction
Card fees are deducted at payout time, not at transaction time. Your payout reflects the net amount after fees. This fee covers payment processing, tax calculation, collection and remittance, and chargeback/dispute protection, see What is a Merchant of Record? for what’s included.

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Crypto Payments

Crypto payments are charged 1.5% per transaction, applied on-chain via smart contract at execution time.
There are no fixed fees on crypto payments. You receive the net amount directly in your wallet or Suby Balance the moment the transaction confirms.

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Payouts

Payout fees are the same regardless of mode.

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Why MoR Costs More Than PayFac

The 4% + $0.40 fee covers more than payment processing: Suby calculates, collects, and remits your sales tax and VAT worldwide, and absorbs part of the risk on chargeback and dispute ratios. If you’d rather handle tax and dispute management yourself at a lower per-transaction cost, that’s what PayFac mode offers, see Fees (PayFac).

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Fee Visibility

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