Payout Fees: What a Peer Pay Payout Costs You and Your Customer
No Peer fee on self-serve plans, a small conversion buffer you fund, and nothing taken from the customer on a payment app. The full cost of a payout, and how it compares with two common alternatives.
What the business pays
- Peer’s payout fee. None on self-serve plans. Concierge businesses pay the rate agreed with Peer.
- A conversion buffer. 1% of the payout, capped at 5 USDC, when you fund in a stablecoin; 2%, capped at 10 USDC, for other tokens, BTC included. It covers price movement while your deposit converts to USDC. It is not a Peer fee: the conversion uses what it needs, and any rest lands in your customer’s wallet with the payout.
- Your own payout fee, on a Master Merchant Account. 0 to 10% of the amount funded, paid to your merchant wallet. Other accounts cannot add one.
- Network fees. Only on your own deposit. Gas on the customer’s side is covered.
The create response gives you the exact amount to send. The line-by-line math is in how payout funding works.
What the customer pays
- To a payment app: nothing. They receive the full payout amount. In USD it is exact; in another currency it is set at the market rate with no spread added.
- As USDC on Base: nothing. It arrives in full, in about a minute.
- As other crypto: network and bridge fees. They come out of what arrives, and the screen shows the estimate before the customer confirms.
Every method and currency is listed in payout methods.
Compared with PayPal Payouts and Tremendous
What a business sends for one payout to a US payment app, from the prices each provider published on October 13, 2026. Peer Pay’s figures are for a self-serve plan, funded in a stablecoin.
| Cost to you | Peer Pay | PayPal Payouts API | Tremendous |
|---|---|---|---|
| Provider fee | None | $0.25 per payout | 4%, minimum $0.25 |
| $100 payout | 101 USDC | $100.25 | $104.00 |
| $1,000 payout | 1,005 USDC | $1,000.25 | $1,040.00 |
Against a percentage fee, the buffer costs less. Against PayPal’s flat fee it does not, for any payout above $25. What differs there is where the money can go: the customer picks one of six payment apps or crypto, and you fund from the crypto you already hold.
Sources: PayPal’s Payouts fees and transaction limits and Tremendous’s monetary reward fees. Check both before you decide; prices change.
The honest tradeoffs
- A payout to a payment app arrives when another Peer user takes it and pays, so the timing depends on the app and the amount. USDC on Base arrives in about a minute.
- On plans with a Peer payout fee, it is charged when the funding lands, whether the customer withdraws to an app or keeps the USDC.
- Funding in a token other than a stablecoin doubles the buffer, up to 10 USDC per payout.
FAQ
Does Peer charge a fee on payouts?
Not on self-serve plans. Concierge businesses pay the payout fee agreed with Peer.
Why do I send more than the payout amount?
To cover price movement while your deposit converts: 1% of the payout, capped at 5 USDC, when you fund in a stablecoin, and 2%, capped at 10 USDC, for other tokens. Any part the conversion does not use lands in your customer's wallet with the payout.
Do customers pay anything to withdraw?
Not to a payment app or as USDC on Base. Crypto sent to any other network arrives minus its network and bridge fees, which the screen shows before they confirm.
Can I add my own payout fee?
On a Master Merchant Account, yes: 0 to 10% of the amount funded, paid to your merchant wallet. Other accounts cannot add a payout fee.
Is Peer Pay cheaper than PayPal Payouts?
Not per payout above $25. PayPal lists a flat $0.25 per US payout through its API, while a Peer Pay payout funded in a stablecoin carries a 1% buffer, capped at 5 USDC, and no Peer fee on self-serve plans. The difference is reach: customers choose from six payment apps or crypto, and you fund from the crypto you hold.