1% to start. 0.65% at scale.
Non-custodial. No reserves, no minimums, no payout delays.

Your rate steps down as monthly volume grows, like tax brackets: 1% on your first $50,000 each month, 0.85% from $50,000 to $250,000, and 0.65% above $250,000. Each slice is charged at its own rate — you never pay the higher rate on volume that has already qualified for a lower one.

No. There is no setup fee, no monthly minimum, no subscription. You pay the cascading rate only on the settlements you actually process. If you process zero this month, you owe zero this month.

Off-chain, in arrears. Customer payments settle 100% to your wallet on-chain — we never touch them. We accrue our share per payment and send a single invoice once a month, payable in any supported stablecoin.

You issue refunds from your own wallet. We build the refund transaction for you, record it on your ledger, and emit the standard webhook events. We never release customer funds ourselves.

On-chain stablecoin transactions are final — there is no card-network chargeback layer. Disputes are negotiated merchant-to-customer the way B2B SaaS contracts have always worked. OpenSettle records the on-chain settlement and the merchant’s communication trail; it does not reverse payments.

Yes. If you anticipate material volume, write to sales@opensettle.io with a sketch of the integration and we’ll come back with a scoped proposal. We’d rather size that conversation against your actual integration than publish a tier sheet.

Sanctions-screened wallets and OFAC-blocked jurisdictions are refused at signup. The Terms of Service prohibit operating a money-services business, mixer / tumbler, or unregistered securities offering on the platform. Self-attestation does not satisfy any US state statute that requires legally-binding age verification; checkouts in those states are blocked regardless of attestation.