Pricing
Know the cost.
Before you commit.
A fee for each protected transaction. No subscription or setup fees. Clear rates, from funding to withdrawal.
Protected transactions
2.5%
On the first
$20,000
1.5%
On the portion
above $20,000
$10 minimum per transaction
Same Holdyn rates for domestic and international transactions, with any funding method.
Stripe processing costs are passed through separately to the funding party, in addition to the Holdyn transaction fee.
The numbers, upfront
Your deal.
Your fee, worked out.
From a one-off payment to a larger project, see how the two rates add up. The fee is fixed when funds are secured.
Enter an amount or try an example below.
The lower rate applies only to the amount above $20,000. A $10 minimum fee applies to each protected transaction.
Holdyn transaction fee
Estimated Holdyn fee: $950.00
- 2.5% of the first $20,000.00
- $500.00
- 1.5% of the remaining $30,000.00
- $450.00
This estimates the Holdyn protected transaction fee only. Payment processing, withdrawal, and currency conversion fees are separate where applicable.
Paying in stages? The tiers run across the cumulative amount funded. A $50,000 deal in five $10,000 payments costs $250 + $250 + $150 + $150 + $150 = $950, the same as funding it all at once.
Choose who pays. The sender covers the fee by default. You can also assign it to the beneficiary or split it 50/50. Both parties see the breakdown.
The full agreed amount is held. A sender-paid fee is added at funding. A beneficiary-paid fee is deducted when funds leave, including when they return to the sender.
One fee. The tools to see it through.
Included with every protected transaction.
Payment protection
Funds protected until the agreed release.
Unlimited transactions
Create a transaction whenever you need one.
Unlimited parties
Bring everyone involved into the transaction.
Built-in messaging
Keep the conversation with the agreement.
Multi-stage releases
Connect each payment to a milestone.
Dispute resolution
A structured process when plans change.
Add money
Fund your wallet.
Your way.
Holdyn charges no platform fee on top-ups. You pay only the payment processor’s standard rate, passed through at cost.
Minimum top-up: $10 USD.
Check where you can withdraw
Funding is available worldwide. Bank withdrawals are available in 33 supported countries. Check coverage before you fund if you plan to withdraw.
See supported countriesFunding method
Processing fee- CardsVisa · Mastercard · Amex
- 2.9% + $0.30Per top-up
- Apple PayDigital wallet
- 2.9% + $0.30Per top-up
- Google PayDigital wallet
- 2.9% + $0.30Per top-up
- ACHUS bank transfer
- 0.8%Capped at $5
- SEPAEurope
- 0.8%Capped at €5
- BacsUnited Kingdom
- 0.8%Capped at £5
- Pre-authorized debitCanada (ACSS)
- 0.8%Capped at $5 CAD
- BECS Direct DebitAustralia
- 1.0%Capped at A$3.50
- StablecoinsUSDC · USDP · USDG
- 1.5%No cap · gas covered
Withdraw & transfer
When the funds
are yours to move.
Released funds arrive in the beneficiary’s Holdyn Wallet first. Withdraw to a supported bank account, or send to another Holdyn user.
Bank withdrawals
- Standard · United StatesTo a US bank in USD · 1–3 business days
- 0.5%$1 minimum · no cap
- InternationalCross-border or currency-converted payouts · 1–3 business days
- 1.5%$5 minimum · no cap
- Express · United StatesUS destinations only · lands in minutes
- 1.5%No cap
$25 USD minimum withdrawal. The destination bank’s country determines the rate, not your country of residence. Currency conversion charges apply separately where required.
Wallet-to-wallet transfers
Free
Send funds to another Holdyn user with no wallet transfer fee.
Currency conversion
1.5%
Added to the mid-market exchange rate on non-USD top-ups and withdrawals. Holdyn transactions are denominated in USD.
Bank withdrawals reach the US, UK, Canada, Switzerland, and the EEA excluding Iceland. If your bank is outside these 33 countries, you can still send and receive within Holdyn, but cannot withdraw to that bank. An account you hold in a supported country can be used normally.
View all countriesHow fees are charged and refunded
Funding and fee timing. The fee is earned once the transaction is Active and the block is funded, and its amount is locked at that moment. For a single-stage or fund-all-upfront transaction, it applies once at funding. For fund-per-payment or recurring per-payment-event funding, it applies as each payment is funded, never to money not yet funded. The tiers and $10 minimum run across the cumulative amount, so the total matches funding the full transaction at once. The minimum protected transaction amount is $1 USD.
Who pays. The sender pays by default; the beneficiary can cover the fee or both parties can split it equally. The full agreed amount is always held. A sender-borne share is charged at funding on top of that amount. A beneficiary-borne share is retained against the block and deducted on any disbursement, including money returned to the sender. For a $1,000 transaction with a $25 beneficiary-paid fee, either the beneficiary receives $975 on release or the sender receives $975 on return.
Cancellation and refunds. While a transaction is Pending or In Review, the Holdyn fee is fully reimbursable to the wallet of the party who bore it. Once Active, it is non-refundable, including in a dispute. The principal is returned according to the cancellation or dispute outcome, with any beneficiary-borne fee deducted on disbursement as described above.
Payment processing. Payments are processed by Stripe, Inc., a licensed money transmitter. Holdyn does not hold or custody user funds. Stripe processing costs are passed through separately to the funding party and never absorbed by Holdyn. Your bank’s own charges may also apply. See Terms of Service §5 for the full fee policy.
Looking for more detail? Visit our FAQ
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