The Subotiz Payments Fee Structure explains the fees associated with payment processing, currency conversion, disputes, withdrawals, and account management. Understanding these fees helps merchants better estimate settlement amounts, understand payout calculations, and manage business finances more effectively.
Fee Structure Overview
Subotiz Payments fees include payment processing fees, currency conversion fees, payout fees, dispute fees, and account-level fees. Applicable fees are automatically deducted during payment processing or settlement.
Transaction-Related Fees
Fee Type | Description |
|---|---|
Payment Processing Fee | A fee of 5% + USD 0.50 applies to each successful transaction processed through Subotiz Payments. |
Currency Conversion Fee | A 2% FX fee applies when customer payments are converted into your settlement currency. |
Settlement FX Fee | A 1% FX fee applies when settlement funds are converted before being transferred to your bank account. |
Automatic Withdrawal Fee | When your withdrawable balance reaches USD 500 or more, the system automatically creates a withdrawal request. All automatic withdrawals are processed every Monday.
|
Manual Withdrawal Fee | When your withdrawable balance is below USD 500, each manual withdrawal incurs a USD 5 fee. |
Active Account Fee | A monthly fee of USD 5 applies in any calendar month with transaction activity. |
Dispute-Related Fees
Dispute Ratio | Fee Amount |
|---|---|
Dispute or fraud count/amount ≤ 1% (within the standard threshold) | USD 15–25 |
Dispute or fraud count/amount > 1% (above the threshold) | USD 20–25 |
Dispute ratios are assessed based on either the number or the total value of disputed or fraudulent transactions within the review period. Actual dispute fees depend on the payment method and pricing plan applicable to your account.
Risk Management Fees
Fee Type | Fee |
|---|---|
RDR Fee | USD 15 per dispute |
Ethoca Fee | USD 20 per dispute |
When disputes are resolved through RDR or Ethoca services, the applicable fee is charged.
Account-Level Fees
Fee Type | Description |
|---|---|
Account Opening Fee | USD 500 |
Account Change Fee | USD 500 per request, such as business entity changes or settlement currency updates. |
Tax Filing | Tax filing fees are quoted separately based on the 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 applies transparent fees across payment processing, currency conversion, withdrawals, disputes, and account management. Understanding these fees helps merchants better estimate settlement amounts, understand payout calculations, and manage business finances more effectively.