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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
Wire details
Contract Term
Billing Mechanics
Settlement
Banking partner fees
Transaction Size and Volume Limits
Transfers to your account
SEPA
.25% + $.15 per transaction
Read about Sepa
SEPA
Return fees
Contract term
Geographic support
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
Billing mechanics
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
Fraud Management
Intelligent dashboard

USDC
Blockchain network fees may apply.
Bank Wire
Read more about bank wires.
Wire Payouts
Wire payouts
$25 per payout
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
.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
SEPA
SEPA
Subscriptions
Return fees
Contract term
Geographic support
Settlement currency
Billing mechanics
Transaction size & volume limits
Settlement & timing
VISA PARTNER WALLETS
Payouts
Intelligent dashboard
