PayF

Network pricing

Transparent per-transaction fees. No setup, no minimums, no custody charges. You only pay on settled volume.

Sandbox is free. Live starts at 50 bps. Enterprise is custom. One API across all three.

Sandbox

Free

For integration and testing. No fees.

Full API surface, synthetic traffic, identical to production.

  • Full API and webhook access
  • Auto-generated demo traffic
  • Every routing feature (multi-leg, fallback, health-score)
  • Bilingual EN/ZH docs and SDK examples
  • Unlimited sandbox merchants and API keys
Open the playground
Recommended

Live

0.5%

50 bps per settled transaction.

Production traffic. Per-currency overrides and volume tiers above $1M monthly.

  • Per-currency rate override (USDC, USDT, PYUSD, …)
  • Negotiated volume tiers above $1M/mo
  • Network-wide routing and reconciliation
  • Compliance routing: licensed counterparties only
  • Full webhook state-machine coverage
  • 24/7 platform monitoring and status feed
Apply to integrate

Enterprise

Custom

For $5M+ monthly volume or custom routing requirements.

Bespoke rates and SLAs. Direct issuer relationships and custom compliance review.

  • Negotiated rates and settlement cadence
  • Dedicated network engineering
  • Custom routing policies (region, currency, priority)
  • Priority compliance review
  • Direct issuer relationships
  • Signed SLA with audit-access integration
Contact partnerships

What every integration includes

Sandbox or enterprise — the network capabilities below ship by default.

  • Single integration to 8+ compliant stablecoin issuers
  • Routing, reconciliation, and orchestration primitives
  • Compliance-first: routes only to licensed counterparties
  • Multi-currency, multi-stablecoin, multi-jurisdiction
  • Audit-grade transaction records and event stream
  • REST API + webhooks + Node / Python / Go SDKs
  • Complete bilingual EN/ZH documentation
  • Postman collection and OpenAPI specification

Frequently asked questions

How is the fee charged?
PayF charges in basis points (bps) on each settled transaction. 1 bps = 0.01%. The default 50 bps means $5 per $10,000 settled. Sandbox is entirely free.
Are multi-leg routes charged per leg?
No. PayF charges once per transaction regardless of how many legs the routing engine uses. Multi-leg routing is a network-internal implementation detail and is transparent to billing.
What about refunds and partial settlements?
Fees are charged only on the actually-settled amount. Full refunds reverse the original fee; partial refunds reverse pro rata.
Does PayF take custody of funds?
Never. PayF is the routing layer between licensed counterparties. Funds settle directly between issuers and merchants — PayF never touches money.
Can I get volume-based pricing?
Yes. Under the Live tier, volume tiers are negotiated above $1M monthly settled volume. Above $5M monthly we recommend the Enterprise path directly.
Which currencies and stablecoins are supported?
Currently integrating: USDC, USDT, PYUSD, FDUSD, USDP, XSGD, EURC, TUSD across compliant issuers. New issuers added regularly.
Are there any setup fees, minimums, or custody fees?
None. PayF charges only when you successfully settle. No monthly fee, no minimums, no custody charges.
Can I try the real environment before signing?
Yes. Sandbox credentials are issued on application; the sandbox is API-identical to production. Run the full flow first, then switch to Live when you're ready.

Get started

Apply for sandbox access, or contact us for enterprise rates.

Apply to integrateContact partnerships
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