> ## Documentation Index
> Fetch the complete documentation index at: https://docs.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Understand Your Fees

> Transparent, predictable pricing on every transaction, MoR mode.

This page covers pricing for **MoR mode**. If you're on **PayFac mode**, see [Fees (PayFac)](/v3-beta/docs/merchants/fees-payfac) instead.

Suby charges a single flat fee per transaction. No setup fees, no monthly costs, no hidden charges.

## Card Payments

<Card title="Merchant of Record" icon="building">
  **4% + \$0.40** per transaction
</Card>

<Note>
  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?](/v3-beta/docs/merchants/what-is-a-merchant-of-record) for what's included.
</Note>

## Crypto Payments

Crypto payments are charged **1.5% per transaction**, applied on-chain via smart contract at execution time.

| Fee             | Amount               |
| --------------- | -------------------- |
| Transaction fee | 1.5% per transaction |
| Payout fee      | See below            |

<Note>
  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.
</Note>

## Payouts

Payout fees are the same regardless of mode.

| Payout method             | Fee                   |
| ------------------------- | --------------------- |
| Bank account (USD/EUR)    | \$0.50 per payout     |
| Crypto wallet (USDC/EURC) | 0.5% + \$1 per payout |

## 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)](/v3-beta/docs/merchants/fees-payfac).

## Fee Visibility

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