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USDC
CARD
+1% for cross-border transactions.
Card details
Credit & debit card chargebacks
Customers are billed $15 per Chargeback. Amounts are directly debited from their Circle Account. If the business account holds insufficient funds to cover chargeback losses, it will be debited from future transaction volume.
*Please contact Sales and refer to the Payment Services Agreement for policies regarding Chargeback risk
Contract Term
Billing Mechanics
Settlement
Funds typically settle within three business days (T+3) of payment initiation. However, there may be delays, including but not limited to delays caused by factors outside of Circle’s control such as currency conversion, bank holidays, operational issues, technical issues and Payment Processing Partner or other financial institution delays
Issuer & banking partner fees
If your customers do not reside in the UK or EEA, the issuers of their Debit or Credit cards may charge an additional fee for an international transaction. To improve our customer experience and reduce potential friction related to fees, Circle is working to add additional processing partners in local jurisdictions. Please contact sales for more information on timelines.
Transaction Size and Volume Limits
What is a Cross-Border transaction?
ACH
ACH Details
Subscriptions
Reversal fees
Contract Term
Geographic support
Billing Mechanics
Transaction size & volume limits
Settlement & Timing
Bank wire
Card details
Wire payments
Contract Term
Billing Mechanics
Settlement
Banking partner fees
Transaction Size and Volume Limits
Transfers to your account
SEPA
*currently in beta
SEPA
Subscriptions
SEPA is only one of the rails you will have access to; the subscription fee for Payment provides access to all supported fiat rails (ACH, Wire, Card, SEPA) as well as USDC.
Return fees
Customers are billed $5 per returned SEPA transaction. Amounts are directly debited from their Circle Account. If an account holds insufficient funds to cover fees, it will be debited from future transaction volume.
Contract Term
12 month term
Geographic support
See full country list here.
Fraud Management
Intelligent dashboard

USDC
Bank Wire
Read more about bank wires.
Wire Payouts
Monthly subscription
Scale - $25 per payout | $50 per Wire Reversal
Enterprise - Contact sales
Wire reversal
Contract term
Banking partner fees
If you pay out funds in another currency, Circle’s banking partners may charge you a currency conversion fee and your tokenization will be converted at the then applicable currency conversion rate of Circle’s banking partners.
Limits
Circle may impose soft weekly limits on transaction volume in order to gauge operational requirements. If you require a limit increase, reach out to sales@circle.com. Circle does not impose transaction size limits.
KYC
Circle requires KYC of all end users who are recipients of a payout. Circle has enacted a framework to rely upon our customers to perform these activities. If the requirements are met, Circle will not require any additional KYC to be performed.
ACH (beta)
.20% + $.50 per successful transaction
Read more about ACH.ACH details
Subscriptions
Reversal fees
Contract Term
Geographic support
Billing Mechanics
Transaction size & volume limits
Settlement & Timing
VISA PARTNER WALLETS
Fund Circle account from your bank account
Payouts
Intelligent dashboard
