The fee structure in Subotiz Payments outlines all operational charges applied across payment processing, settlement, and fund transfers. These fees cover currency conversion, dispute handling, and partner-related costs, ensuring transparent deductions and accurate payout calculations. Understanding these components helps merchants anticipate settlement results and reconcile financial data with confidence.
Fee Structure Overview
Subotiz Payments applies a defined set of operational fees. Most fees originate from payment partners, and Subotiz absorbs part of these costs on behalf of merchants. After applicable fees are deducted, the remaining net amount is transferred to your designated bank account.
Standard Processing Fees
Fee Type | Description |
|---|---|
FX Conversion for Customer Payments | A 2% FX margin applies when customer payments are converted into your settlement currency. |
FX Conversion for Bank Transfers | A 1% FX margin applies if currency conversion is required when transferring settlement funds to your bank account. |
Automatic Withdrawal Fee | When your withdrawable balance reaches 500 USD or more, the system automatically generates a withdrawal. All automatic withdrawals are processed every Monday.
|
Manual Withdrawal Fee | When your withdrawable balance is below 500 USD, each manual withdrawal incurs a 5 USD fee. |
Active Account Fee | A 5 USD monthly fee applies when your account records transaction activity during the billing month. |
Dispute-Related Fees
Dispute Ratio | Fee Amount |
|---|---|
Dispute or fraud count/amount ≤ 1% (within the standard threshold) | 15 USD per dispute |
Dispute or fraud count/amount > 1% (above the threshold) | 20 USD per dispute |
Dispute ratios are assessed based on either the number or the total value of disputed or fraudulent transactions within the review period.
Account-Level Fees
Fee Type | Description |
|---|---|
Account Opening Fee | 500 USD |
Account Change Fee | 500 USD per request, such as business entity changes or settlement currency updates. |
Tax Filing | Managed based on mutual agreement between Subotiz and the merchant. |
Supported Settlement Currencies
Subotiz Payments supports multiple settlement currencies, including but not limited to:
- USD (United States Dollar)
- HKD (Hong Kong Dollar)
- GBP (British Pound)
- EUR (Euro)
- CAD (Canadian Dollar)
All fees follow a consistent structure across supported currencies. Actual charges are calculated based on the transaction currency and the flow of funds during settlement.
Multi-Currency Fee Considerations
- Avoid FX conversion fees: When the customer’s payment currency matches your settlement currency, no FX conversion fee is applied during payment processing.
- Understand cross-border costs: When transactions or withdrawals involve different currencies, applicable FX conversion fees or international transfer fees will be applied based on the fund flow.
- Optimize your settlement currency: Choosing a settlement currency aligned with your primary sales market can reduce unnecessary FX costs and improve settlement efficiency.
Subotiz Payments provides a clear, structured fee framework spanning payment processing, currency conversion, withdrawals, disputes, and account-level changes. This structured fee framework helps you clearly understand payout calculations and manage your finances with confidence.