Simple, Transparent Pricing
No monthly fees. No hidden costs. Only pay when you process payments.
Pay As You Go
No subscription required. Pay only when you process payments.
Protected Transaction Fees
One simple fee charged at funding. No hidden charges.
Domestic Transactions
1.5%
Both parties in the same country
International Transactions
2.5%
Cross-border transactions
Wallet Fees
Wallet Charge
$0 platform fee
Fund your wallet via card or bank — only standard payment-processor fees apply
Stablecoin Top-Up
1.5%
Fund your wallet with USDC, USDP, or USDG. Gas fees are covered for you; on-chain confirmation makes funds available within minutes.
Standard Withdraw
0.5%
Capped at $15
Withdraw to your bank account, 1-3 business days
Express Withdraw
1.5%
No cap
Instant withdraw to your debit card or bank
Wallet Transfer
$0
Send funds to another Holdyn user for free
FX Conversion
1.5%
Applied on non-USD wallet top-ups and withdrawals (transactions are USD-only)
Example Fee Calculations
$1,000 Domestic
1.5% of $1,000
Total: $15.00
$10,000 International
2.5% of $10,000
Total: $250.00
$150,000 Domestic
1.5% of $150,000 = $2,250
capped at $1,500
Total: $1,500.00 (cap)
* Domestic fees capped at $1,500 total. International fees capped at $2,500 total. Fees are non-refundable once a transaction has been funded.
Everything Included - No Extra Cost
No credit card required to create an account
Payment Processing: All payments are processed securely by Stripe, Inc., a licensed money transmitter. Holdyn does not hold or custody user funds.
Transaction Fees: Domestic: 1.5% (capped $1,500), International: 2.5% (capped $2,500). Charged when funds are first secured and non-refundable once charged. For multi-stage transactions using fund-per-payment, the fee applies to each tranche. Wallet charges have no Holdyn fee. Released funds always settle to the Beneficiary’s Holdyn Wallet first; from the wallet, Standard withdraw is 0.5% (capped $15, 1–3 business days) and Express withdraw is 1.5% (no cap, lands in minutes). Wallet transfers are free. FX conversion on non-USD wallet top-ups or withdrawals: 1.5%.
Pricing FAQ
Who pays the fees?
By default, the sender pays. However, when creating a transaction you can choose who covers the fee: the sender, the beneficiary (deducted from the released amount), or split 50/50 between both parties.
When is the fee charged?
The Protected Transaction fee is charged when funds are first secured. For single-stage transactions and 'fund all upfront' deals, this means once at funding. For multi-stage transactions using 'fund per payment' (and recurring transactions using 'per payment event' funding), the fee applies to each tranche as it's secured. In all cases, fees already charged are non-refundable.
Is there a cap on transaction fees?
Yes. Domestic transaction fees are capped at $1,500 and international transaction fees are capped at $2,500, no matter how large the transaction.
What happens to fees if a transaction is cancelled?
The protected principal is returned according to dispute resolution outcomes, but the Protected Transaction fee is non-refundable once a tranche has been funded.
How does the Beneficiary actually get the money?
Every release lands in the Beneficiary's Holdyn Wallet first — there's no direct-to-bank release. From the wallet, the Beneficiary chooses when to withdraw: Standard (0.5%, capped $15, settles in 1–3 business days) or Express (1.5%, no cap, lands in minutes on a supported debit card). Wallet-to-wallet transfers between Holdyn users are free if the Beneficiary wants to forward funds without cashing out.
Are international payments supported?
Yes. All transactions on Holdyn are denominated in USD, but you can fund your wallet from any major supported currency (EUR, GBP, CAD, JPY, and others) — conversion to USD happens automatically at the mid-market rate plus a 1.5% FX fee. International transactions (where Sender and Beneficiary are in different countries) carry a 2.5% Protected Transaction fee, capped at $2,500. Choose 'International' when creating a transaction to see the exact fee breakdown.
Is there a minimum transaction amount?
Yes. The minimum amount per Protected Transaction is $1 USD (or equivalent). Minimum wallet top-up is also $1 USD. Minimum withdrawal is $5 USD. These minimums exist to keep fees economical and to defend against card-testing abuse.
Do you have B2B / API pricing?
Holdyn offers a B2B API at api.holdyn.io for businesses that want to embed Protected Transactions into their own products. Pricing is custom and depends on volume, settlement currency, and feature set (e.g., dedicated webhook endpoints, sandbox environments). Get in touch via the Contact page for a tailored quote.
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