Pricing & Fees
1. Overview
SoliaPay is committed to full fee transparency in compliance with the EU Markets in Crypto-Assets Regulation (MiCA) and applicable consumer protection laws. Every fee is calculated in real time, disclosed to you before you confirm any transaction, and is non-negotiable once accepted.
By using SoliaPay, you acknowledge that you have read, understood, and accepted this Pricing Schedule. All fees are denominated in USD unless otherwise stated. Fees are deducted from the transaction amount in the relevant token at the prevailing exchange rate at the time of execution.
2. Free Tier — What Costs Nothing
Account Creation
Creating your non-custodial wallet is free.
Receiving Funds
Receiving crypto or stablecoins costs nothing.
Portfolio Viewing
Viewing balances, history, and analytics.
Address Book
Saving and managing contacts and recipients.
3. Network (Gas) Fees
Blockchain Network Costs
Every on-chain transaction requires a network fee ("gas") paid to blockchain validators. These fees are NOT set by SoliaPay — they are determined by network demand and congestion.
- Gas fees vary by network (Arbitrum, Base, Ethereum, etc.).
- SoliaPay estimates gas using real-time on-chain simulation (
eth_estimateGas). - A safety buffer (up to 40–230% depending on volatility) is applied to prevent transaction failures.
- Unused gas buffer is not refunded — it covers execution variance.
4. Transfer Fees
Peer-to-peer and wallet-to-wallet transfers are subject to the following fee structure. All fees are disclosed before confirmation.
| Token Type | Platform Fee | Details |
|---|---|---|
| Stablecoins (USDC, USDT, EURC) | $0.05 flat | Fixed fee per transfer + network gas |
| Volatile (ETH, WETH, WBTC) | 0.40% of value | Percentage-based, min $0.15 + network gas |
* Minimum effective fee: $0.15 (covers infrastructure costs). A small-transaction multiplier (up to 1.25×) may apply to transfers under $5 USD value.
5. Swap Fees
Token swaps are executed via third-party DEX aggregators (e.g., Relay). Fees include:
SoliaPay Platform Fee
Stablecoins: $0.05 flat. Volatile tokens: 0.40% of swap value (min $0.15).
DEX Aggregator Fee
Third-party aggregators may apply their own fee or spread. This is separate from and in addition to SoliaPay's platform fee.
Price Impact & Slippage
Large swaps may experience price impact. Slippage tolerance is set by you. SoliaPay is not liable for unfavourable execution prices or MEV (Maximal Extractable Value) activity.
6. Cross-Chain (Bridge) Fees
Cross-chain transfers use intent-based solvers for atomic execution.
| Component | Fee |
|---|---|
| SoliaPay Platform Fee (Stablecoin) | $0.05 flat |
| SoliaPay Platform Fee (Volatile) | 0.50% of value |
| Solver/Relayer Fee | Variable (set by solver) |
| Destination Network Gas | Included in solver quote |
Cross-Chain Risk Warning:
Cross-chain transactions involve additional risks including but not limited to: bridge exploits, solver insolvency, and destination chain reorganizations. SoliaPay does not guarantee successful cross-chain delivery and is not liable for funds lost in transit.
7. Savings & Yield
SoliaPay provides a non-custodial interface to DeFi yield protocols (e.g., Aave V3). SoliaPay does not manage, guarantee, or insure any yield.
| Action | Fee |
|---|---|
| Deposit to Vault | $0.05 + network gas |
| Withdraw from Vault | $0.05 + network gas |
| Performance Fee on Yield | 0% (currently waived) |
Yield Disclaimer:
APY is variable, determined entirely by the underlying protocol (Aave V3), and may decrease to 0%. Past performance does not indicate future results. Smart contract risk, protocol risk, and liquidity risk apply. Your deposits are NOT covered by any deposit guarantee scheme.
8. Card Services
Virtual and physical card services are provided by licensed banking partners. SoliaPay acts as a technology intermediary.
Card Issuance: Pricing determined by banking partner (disclosed at issuance).
Foreign Exchange: FX rates set by banking partner + applicable spread.
ATM Withdrawal: Subject to partner ATM fee schedule.
Monthly Maintenance: As per your selected subscription tier.
* Card fees are set by our licensed banking partners and are outside SoliaPay's direct control. All card fees will be disclosed before card activation.
9. Fiat On-Ramp / Off-Ramp
Fiat-to-crypto and crypto-to-fiat conversions are facilitated by licensed third-party providers (e.g., Bridge.xyz). Fees include:
- Provider Spread: Variable, set by the fiat partner (typically 0.5–2.0%).
- Bank Transfer Fees: Your bank may charge incoming/outgoing wire fees.
- SoliaPay Fee: No additional markup on fiat conversions at this time.
* SoliaPay reserves the right to introduce platform fees on fiat services with 30 days' written notice.
10. Subscription Plans
SoliaPay offers optional subscription tiers providing enhanced features including sponsored gas quotas, premium card access, and reduced fees.
Billing: Managed by Paddle (our payments infrastructure partner).
Currency: Billed in EUR or USD depending on your region.
Renewal: Subscriptions auto-renew unless cancelled before the billing date.
Cancellation: You may cancel at any time. Access continues until end of billing period.
* Subscription pricing and tier benefits are published in-app and may change with 30 days' notice.
11. How Fees Are Calculated
Every fee is calculated in real time based on current network conditions and transaction parameters. Here's what goes into your fee:
Network Cost
The base blockchain gas fee required by the network to process your transaction. This varies with network demand and is not controlled by SoliaPay.
Platform Fee
A small service fee for infrastructure, security, and transaction processing. Stablecoins: flat $0.05. Volatile tokens: percentage-based (see tables above).
Safety Buffer
A small buffer is added to gas estimates to prevent transaction failures due to network price fluctuations between quote and execution.
Quote Validity: Fee quotes are binding for 60 seconds. After expiry, a new quote is generated at current market rates. Each quote is cryptographically signed and single-use.
13. Changes to Fees
SoliaPay reserves the right to modify this Pricing Schedule at any time.
- Material fee increases will be communicated with 30 days' written notice via email and/or in-app notification.
- Network gas fees and third-party provider fees may change without notice as they are outside SoliaPay's control.
- Continued use of SoliaPay after fee changes constitutes acceptance of the updated schedule.
- If you do not agree with updated fees, you must discontinue use and withdraw your assets.
14. Fee Disputes
If you believe a fee was charged incorrectly:
- Contact support@soliapay.com within 30 days of the transaction.
- Include your wallet address, transaction hash, and quote ID.
- We will review the on-chain record and fee quote logs.
- If an error is confirmed, a credit or adjustment will be applied at our sole discretion.
Important:Fees accepted at the time of transaction confirmation are final and binding. SoliaPay is not obligated to refund fees for successfully executed transactions, regardless of subsequent market movements or buyer's remorse.
15. Tax Disclaimer
SoliaPay does not provide tax advice.
You are solely responsible for determining and fulfilling your tax obligations arising from your use of SoliaPay, including but not limited to capital gains taxes, income taxes, and VAT/GST on service fees. Consult a qualified tax professional in your jurisdiction.
16. Contact
Billing Inquiries: billing@soliapay.com
General Support: support@soliapay.com
Legal: legal@soliapay.com