GuideAPI Reference

Transactional Fees

UnblockPay applies two types of fees when processing stablecoin and fiat conversions, pay-ins and payouts:

Percentage-based fees

  • Applied on the total amount converted from stablecoin to fiat (or vice-versa).

  • This fee is embedded into the exchange rate at the time of conversion.

  • The percentage may vary depending on the currency pair, transaction volume, and contractual agreement.

Flat fees

  • Fixed amount charged depending on the pay-in or payout rail used.

  • These fees are deducted from the converted amount and appear as a separate field in the transaction response.

  • Examples:

    • US Wire: USD 15.00 per transaction

    • SEPA: USD 2.00 per transaction

Fee Application Logic

  1. At the moment of conversion, the percentage fee is included in the quoted rate.

  2. If applicable, the flat fee is added and deducted at pay-in or payout time, reducing the final amount delivered to the recipient.

Example

Here is an example:

   "initial_crypto_amount": 5,
   "final_fiat_amount": 28.34,
   "unblockpay_fee": 0.15

In the transaction above, the sender sent 5 USDC and the receiver received 28.34 in BRL. Considering a fictional fee of 0.5% on the total amount converted to BRL, the related fee is 0.15 BRL.

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