> ## 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, PayFac mode.

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

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

## Card Payments

<Card title="PayFac" icon="bolt">
  **2.9% + \$0.30** 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 only, tax handling and dispute management are your own responsibility in this mode, see [What is PayFac?](/v3-beta/docs/merchants/what-is-a-payfac).
</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 PayFac Costs Less Than MoR

The 2.9% + \$0.30 fee covers payment processing only. Unlike MoR mode, Suby does not calculate, collect, or remit tax on your behalf, and does not absorb dispute or chargeback risk for you, you manage both yourself. If you'd rather have tax and dispute management handled for you at a higher per-transaction cost, that's what MoR mode offers, see [Fees (MoR)](/v3-beta/docs/merchants/fees-mor).

## Fee Visibility

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