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

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Card Payments

Suby operates in two modes, Merchant of Record and PayFac. Your transaction fee depends on which mode your account runs on.

Merchant of Record

4% + $0.40 per tx

PayFac

2.9% + $0.30 per tx
Card fees are deducted at payout time, not at transaction time. Your payout reflects the net amount after fees. See the full pricing page for a detailed breakdown of what’s included in each mode.

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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 the moment the transaction confirms.

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Payouts

Payout fees are the same regardless of whether you’re on Merchant of Record or PayFac mode.

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Why Fees Differ Between MoR and PayFac

The 4% + $0.40 vs 2.9% + $0.30 gap reflects what Suby handles on your behalf in each mode, not just payment processing. Merchant of Record (4% + $0.40): Suby acts as the seller of record for your transactions. That fee covers:
  • Calculating, collecting, and remitting sales tax / VAT on your behalf, worldwide;
  • Protection against high dispute and chargeback ratios, Suby absorbs part of that risk and manages the underlying card scheme relationships for you.
PayFac (2.9% + $0.30): you remain the seller of record. That lower fee reflects a narrower scope: Suby only handles payment processing. As a result:
  • You are responsible for calculating, collecting, and remitting sales tax / VAT worldwide yourself;
  • You are responsible for managing and staying within acceptable dispute and chargeback ratios yourself.
See the Education section for guidance on managing chargeback ratios if you’re on PayFac. Card payments also involve traditional payment networks, issuing banks, and dispute handling, each introducing fixed and variable costs on top of the above. Crypto payments settle directly on-chain with no intermediaries, which is why the fee structure is simpler and lower overall.

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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.