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Transfer funds in and out of USDC for payments, trading, DeFi, and more.

Learn more about USDC details & disclosures

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Integrate the power of dollar digital currency into your applications and workflows.

Payments

$1,000/mo

One-stop-shop fiat and digital asset payments

Details

USDC

Accept USDC payments globally for free.

CARD

2.9% + $0.30 per transaction.
+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

12 month term

Billing Mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Business Account net of Circle fees

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

Circle does not impose blunt transaction size limits or daily / weekly / monthly volume limits on our customers, because we want you to completely own your user experience and optimize your risk profile as you see fit for your business. During onboarding, you will consult with our risk experts and strategize on the optimal way to rollout and fight fraud for your business.

What is a Cross-Border transaction?

Cross-border transactions are defined as transactions where a card’s issuing bank’s country does not match the acquiring country of the transaction or the country in which you contract with Circle. The only exception to this is two EU countries that are not treated as cross-border.

ACH

.20% + $.50 per successful transaction

ACH Details

Subscriptions

ACH is only one of the rails you will have access to; subscription fees for Payments and Payouts products provide access to all supported fiat rails (ACH, Wire, Card) as well as USDC.

Reversal fees

Customers are billed $10 per failed or reversed transaction and $50 for unauthorized transactions. 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

Billing Mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Business Account net of Circle fees.

Plaid partnership

Customers are required to integrate with Plaid to authenticate users’ third party bank accounts. End Users (consumers) are not required to integrate with Plaid. The Plaid integration requires a separate agreement; more information can be found here.

Transaction size & volume limits

Transactions (payments and payouts) are limited to $25,000 max per transaction, pending collection and retention of certain information for transactions greater than $3,000. There are no limits to the number of transactions per day.

Settlement & Timing

*ACH payments made by 8am Pacific will be processed that same day, and funds will be available in the Circle Account within 4 business days. ACH payouts made by 8am Pacific will be processed and funds should become available in the receiving account on the same day.

Bank wire

$8 per successful wire

Wire details

Contract Term

12 month term

Billing Mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Business Account net of Circle fees

Settlement

Once wire funds settle with Circle, USDC is credited to the Customer’s Circle account in a matter of minutes.

Banking partner fees

If you wire 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. You may also incur fees from your own bank. For this reason, you should instruct your users to denominate your wire transfer in US Dollars so that you know exactly how much USDC you will receive in respect of a given conversion into USDC.

Transaction Size and Volume Limits

Transfers to your account

Payments in any supported method (USDC, card, bank wire, ACH future rails) will settle as USDC in your Circle Account.

SEPA

.25% + $.15 per transaction

Read about Sepa

SEPA

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.

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.

Settlement currency

Circle will settle SEPA payments as USDC in your Circle Account. Euro’s that land in our settlement bank are converted to USD at prevailing market rates, converted to USDC and credited to your Circle Account.

Billing mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Account net of Circle fees.

Transaction size & volume limits

SEPA network limits are to €100k instant credit & €1b credit. Other transaction or volume limits may apply and will be evaluated during onboarding.

*note at this time, Circle can support SEPA instant settlement provided customer banks participates SEPA instant settlement scheme as well, but USDC settlement will happen in 1-3 business days as described below

Settlement & timing

USDC settlement will occur within 1-3 business days

Fraud Management

Self-service rules to manage fraud. View transactional data, rules and chargeback rates.

Intelligent dashboard

One central hub for transaction monitoring, settlements, reporting and analytics.

Payouts

$250/mo

Programmatic, fast and global payouts

Details

USDC

Blockchain network fees may apply.

Bank Wire

$25 per successful payout
Read more about bank wires.

Wire Payouts

Wire payouts

$25 per payout

Wire reversal

Circle does not charge a fee for Wire reversals but Circle does debit any fees charged by the related financial institution from the returned settlement amount. These fees can vary based on the financial institution. Possible reasons for reversals include, but are not limited to, missing or misspelled reference numbers or attempting to payout an amount in excess of any agreed upon limits.

Contract term

12 month 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

.20% + $.50 per successful transaction

ACH details

Subscriptions

ACH is only one of the rails you will have access to; subscription fees for Payments and Payouts products provide access to all supported fiat rails (ACH, Wire, Card) as well as USDC.

Reversal fees

Contract Term

12 month term

Geographic support

Billing Mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Business Account net of Circle fees

Plaid partnership

Transaction size & volume limits

Settlement & Timing

SEPA

.25% + $.20 per successful payout

Read about SEPA

SEPA

Subscriptions

SEPA is only one of the rails you will have access to; the subscription fee for Payouts provides access to all supported fiat rails (ACH, Wire, SEPA) as well as USDC.

Return fees

Contract term

12 month term

Geographic support

See full country list here.

Settlement currency

SEPA payouts will originate as USDC and settle as Euro in the recipient account.

Billing mechanics

Monthly subscription billing starts in the month of signing. Variable fees are debited at time of settlement, meaning funds are settled to the Circle Account net of Circle fees.

Transaction size & volume limits

SEPA network limits are to €100k instant credit & €1b credit. Other transaction or volume limits may apply and will be evaluated during onboarding.

Settlement & timing

Euro settlement will occur within 1-3 business days

VISA PARTNER WALLETS

Leverage Circle's partnership with Visa for seamless last-mile USDC payouts to over 70 million merchants worldwide.

Payouts

Convert from dollar digital currency to fiat and we'll send a wire to your connected bank account.

Intelligent dashboard

Central hub for transaction monitoring, settlements, reporting and analytics.

Accounts

Digital asset accounts infrastructure for businesses

Details

Accounts with Custody & Transaction Management

Automate generation of Accounts for your end users or corporate treasury purposes while abstracting away complex blockchain infrastructure management and network fees.

Multichain Support

Embed swaps for USDC across any supported chain within your product while abstracting away multichain USDC from end users. Avoid confusion and create seamless transactional experience.

Intelligent dashboard

Central hub for transaction monitoring, settlements, reporting and analytics.

Contact our team for enterprise pricing. Get Started