FiatFlex pricing: what a merchant actually pays

All-in, with a card issued in the European Economic Area (EEA), a card payment costs you 1.9% + €0.20 per payment on Tap to Pay and 2% + €0.25 per payment on a payment link (3.3% + €0.25 with a Visa, Mastercard or CB business card). With a card issued outside the EEA, it costs 3.4% + €0.20 on Tap to Pay and up to 3.65% + €0.25 on a payment link. A stablecoin payment, converted into euros and sent to your bank account, costs 1% in EURC and 1.5% in USDC, with the SEPA transfer included and no fixed part.

Every price includes our remuneration and, where applicable, our partners' fees. No subscription, no sign-up fee: this schedule is published and applies as it stands, with no quote to request. FiatFlex is open to merchants established in the euro area with a euro bank account; Tap to Pay on iPhone is available in France.

Cards: Tap to Pay and payment links

Tap to Pay on iPhone and the payment link each carry a proportional part and a fixed part per payment, and the price depends on the card your customer pays with:

• Tap to Pay: 1.9% + €0.20 with a card issued in the EEA; 3.4% + €0.20 with a card issued outside the EEA.
• Payment link: 2% + €0.25 with a card issued in the EEA; 3.3% + €0.25 with a Visa, Mastercard or CB business card issued in the EEA; up to 3.65% + €0.25 with a card issued outside the EEA (3% + €0.25 with a UK card).

The fixed part does not move, so a small ticket costs proportionally more; at these prices, a card payment starts at €1.

Sent as a link or shown as a QR code, a payment request has the same price: it is the same payment. The only choice that matters stays card or stablecoin, as payment link or QR code explains.

Stablecoins: one percentage per coin

We accept USDC and EURC on Solana. The price stated above covers the conversion into euros and the SEPA transfer to your bank account together: the coins are converted and wired in one operation, with no euro balance kept in between, and you pay at the moment you choose to convert.

It is a pure percentage of the sum converted, with no fixed part: converting one sale or ten together costs the same share. Before you confirm, the app shows the amount you will receive in euros: exact in EURC, which converts 1 for 1; an estimate in USDC, whose final amount depends on the exchange rate at conversion, while the price stays 1.5%. A conversion is possible from 5.06 EURC or 5.06 USDC.

If stablecoins are new to you, stablecoins and what converting costs covers USDC, EURC and how a conversion runs.

No subscription, no terminal

• No subscription.
• No sign-up fee.
• No terminal to buy.

Opening an account requires verification: identity, company details where there is a company, and an IBAN in the SEPA area for your withdrawals. The documents expected are listed in opening a FiatFlex account.

We publish no settlement time: none has been confirmed to us, and an unconfirmed timeframe would be a promise, not information.

Refunds and disputes

A refund does not return all of the payment's fees; the detail is in the terms and conditions.

Each dispute received on a card payment costs €20 (none if the payment went through the CB network), plus €20 if you contest it, returned if you win in full. The disputed amount is debited and the sale's fees are not returned; network fees can apply in rare cases.

A payment received in stablecoins has neither disputes nor chargebacks: a transfer confirmed on Solana is final, and a refund means sending a new payment.

Who operates what

Card payments are operated by Stripe, conversions into euros by Bridge; verification when the account is opened is carried out by them. FiatFlex is not a bank, not a payment institution and not an electronic money institution: we operate the app and the wallet.

That wallet is custody: FiatFlex holds your stablecoins until you ask for a conversion or a withdrawal. It is not self-custody. Who does what at each step, and where your funds sit, is set out in cards and stablecoins in one app.

Against the alternatives

On in-person cards we are not the cheapest: cheaper all-in offers exist. A method for setting our schedule against any published tariff, on your own figures, is in card payment rates in France, compared.

This schedule brings something else: one account for cards and stablecoins, and no hardware. On a small ticket as on a large one, the stablecoin rail costs less than the card: a lower percentage, and no fixed part. The summary is on the pricing page.

Frequently asked questions

EURC or USDC, which should I ask my customers for?

EURC costs less than USDC to turn into euros: both prices are stated above. If your customers can pay in EURC, ask for EURC: the detail is in USDC or EURC, which to choose.

Above what amount do stablecoins become cheaper than cards?

There is no threshold. A stablecoin conversion is a pure percentage, 1% in EURC and 1.5% in USDC, below the card's percentage and with no fixed part, so it costs less than a card payment on a small ticket as on a large one. It is the card's fixed part per payment that makes a small ticket cost proportionally more. The arithmetic is in what taking a payment really costs.

Do I need to buy hardware?

No: cards are taken on your phone. You only need to download the app and have a verified account.