Transfer Fees
Understand fees for sending money.
Transfers Between ClapPay Users
Always free!
Send to any ClapPay user:
- Instant delivery
- No fees
- No limits
Transfers to Bank Accounts
US Banks
| Speed | Fee |
|-------|-----|
| Standard (1-2 days) | Free |
| Same-day (by 5 PM) | $5 |
| Instant (minutes) | 1.75% (min $0.25) |
UK Banks
| Speed | Fee |
|-------|-----|
| Faster Payments (instant) | Free |
| BACS (3 days) | Free |
EU Banks
| Speed | Fee |
|-------|-----|
| SEPA (1 day) | Free |
| SEPA Instant | €0.50 |
International Transfers
Fees depend on:
- Destination country
- Amount
- Currency
Fee Structure
| Component | Typical Cost |
|-----------|--------------|
| Transfer fee | 0.5% - 2% |
| FX margin | 0.5% - 1% |
| Recipient bank fee | Varies |
Example: $1,000 to India
| Component | Amount |
|-----------|--------|
| Transfer fee (1%) | $10 |
| FX margin (0.5%) | $5 |
| Total cost | $15 |
| Recipient gets | ~$985 equivalent |
Business Payouts
Single Payouts
Same as personal transfer fees.
Batch Payouts
For paying many people:
- Standard rate per transfer
- Volume discounts available
- Contact sales for pricing
Marketplace Payouts
For platforms paying sellers:
- 0.25% + $0.25 per payout
- Same-day available
- Volume discounts
When Fees Apply
Fees charged:
- At time of transfer
- Deducted from transfer amount
- Or added on top (you choose)
Recipient Pays vs. You Pay
Choose who pays fees:
You pay (default):
- Fee deducted from your balance
- Recipient gets full amount
Recipient pays:
- Fee deducted from transfer
- You send full amount
Configure per transfer or set default.
Minimizing Fees
💡 Tips:
- Use ClapPay-to-ClapPay (free)
- Choose standard speed when possible
- Send larger amounts less frequently
- Check country-specific fees
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