What is the default clearing toll?
0.50% (50 bps) of gross, assessed at ingress, with a $1.00 minimum per release, in addition to the Commercial Production License for production.
Pricing
Platform access.
Clearing toll.
Sandbox is free. Production starts at $999 per month (default at checkout) or $9,990 per year, plus 0.50% of gross with a $1.00 minimum per release.
Lower toll rates as monthly volume grows.
Production needs a license.
Live API credentials require a Commercial Production License after business KYB clears. The license is separate from the clearing toll and is not credited against it.
| Developer Sandbox | Production (Monthly) | Production (Annual) | Enterprise | |
|---|---|---|---|---|
| Platform access | $0 | $999 / month | $9,990 / year | Custom (MSA) |
| Value | Integration testing | Cancel anytime | 2 months free (save $1,998 vs monthly) | Volume terms and SLAs |
| API keys | gsk_sandbox_… | gsk_live_… | gsk_live_… | gsk_live_… |
| Business KYB | Simulated | Required | Required | Dedicated onboarding |
| Clearing toll | $0 | 0.50% + $1.00 min / release | Same as monthly | Per MSA (default 10 bps + $1.00 min on page) |
- You are charged for production only after KYB passes.
- Monthly is selected by default at checkout; choose annual to save $1,998 per year.
- Failed renewal: 14-day grace, then new live settlement ingest may pause; sandbox unaffected.
- Enterprise: Contact. No self-serve checkout.
The default toll is 0.50% and $1.00.
Every production release uses the clearing toll below, in addition to the Commercial Production License. Partners start at 50 bps (0.50%) of gross, with a $1.00 minimum per release. Enterprise toll is set under an Enterprise MSA.
The fee is assessed at ingress. It is computed when the settlement is staged and carried on the clearing record. It is part of the gross, not an addition to it: the payee receives net.
platform_fee = max(round(gross × fee_rate, 4), 1.0000)net_payout = gross − platform_fee
fee_rate is the rate for your tier. Amounts are rounded to four decimals, and the minimum applies to every release at every tier.
| Case | Gross | Rate | Fee | Net |
|---|---|---|---|---|
| Default | 100,000.00 USDC | 0.50% | 500.00 USDC | 99,500.00 USDC |
| Minimum applies | 150.00 USDC | 0.50% | 1.00 USDC | 149.00 USDC |
| Tier 1 rate | 50,000.00 USDC | 0.30% | 150.00 USDC | 49,850.00 USDC |
| Tier 3 rate | 1,000,000.00 USDC | 0.15% | 1,500.00 USDC | 998,500.00 USDC |
| Enterprise rate | 1,000,000.00 USDC | 0.10% | 1,000.00 USDC | 999,000.00 USDC |
Rates step down with volume.
The published schedule below applies to USDC and EURC releases. The $1.00 minimum applies at every tier.
| Tier | 30-day settled GMV | Rate (bps) | Effective rate | Minimum |
|---|---|---|---|---|
| Tier 0 | $0 to under $100k per month | 50 | 0.50% | $1.00 per release |
| Tier 1 | $100k to under $500k per month | 30 | 0.30% | $1.00 per release |
| Tier 2 | $500k to under $2M per month | 25 | 0.25% | $1.00 per release |
| Tier 3 | $2M+ per month | 15 | 0.15% | $1.00 per release |
| Enterprise | Custom (MSA) | 10 | 0.10% | $1.00 per release |
How tiers are applied
- Evaluated monthly. Your tier is evaluated each month on trailing 30-day settled GMV.
- What counts. Settled GMV is the gross of releases that reached completed or settled. Releases that are staged, flagged, rejected, failed, or rolled back do not count.
- Confirmed by Gutschow. Tier placement is confirmed by Gutschow. It is not set or changed through the API. Until a tier is confirmed, the default rate applies.
- Not retroactive. A tier sets the rate on settlements assessed while it is in effect. Earlier settlements are not re-priced.
Enterprise is set by agreement.
Enterprise pricing is a custom platform retainer under an Enterprise MSA, plus a 10 basis point (0.10%) execution toll with the $1.00 minimum per release.
Enterprise is sales-led. There is no self-serve checkout for Enterprise, and the retainer is set in the agreement.
An Enterprise MSA is where these terms are negotiated:
- May include under MSA: higher API rate limits.
- May include under MSA: webhook delivery commitments.
- May include under MSA: named onboarding and support contacts.
- May include under MSA: reconciliation and reporting exports.
Definitions.
| Term | Definition |
|---|---|
| Gross | The amount entering the rail on a release, in USDC or EURC. |
| Platform fee | The Gutschow clearing toll on a release: max(round(gross × fee_rate, 4), 1.0000). Also called the clearing toll. |
| Net payout | Gross less the platform fee. The amount the payee receives. |
| Basis point (bps) | One hundredth of one percent. 50 bps is 0.50%. |
| Assessed at ingress | Computed when the settlement is staged and recorded on the clearing record. The same numbers appear in your API request and the ledger. |
| Release | One settlement from a partner request to a clearing state. The $1.00 minimum applies per release. |
| Settled GMV | The gross of releases that reached completed or settled. Staged, flagged, rejected, failed, and rolled-back releases are excluded. |
| Trailing 30-day window | The 30 days before the monthly evaluation date. |
| Tier | The rate band in effect for a partner, confirmed by Gutschow. |
| Commercial Production License | Subscription required for gsk_live_ credentials after KYB; billed monthly or annually; separate from the clearing toll. |
| Rail costs | Network and issuer costs of moving USDC or EURC. These are separate from the Gutschow clearing toll and follow the partner's rail arrangement. |
What this page does and does not cover.
- Rail costs are separate. Network and issuer rail costs are separate from the Gutschow clearing toll and follow the partner's rail arrangement.
- Assets. Pricing applies to USDC and EURC clearing. Gutschow is not a bank and does not offer a domestic fiat payments product.
- Currency of fees. The fee is computed in the asset of the release.
- Changes. Gutschow may change this schedule. A change applies to settlements assessed after it takes effect.
- Controlling terms. If an Enterprise MSA applies, its terms govern for that partner. Otherwise the Terms of Service and this schedule apply.
- Platform license. Production access requires a Commercial Production License as described above. Subscription terms are in the Terms of Service.
If a settlement does not complete.
What happens to the fee depends on the cause. The first two rows apply after funds are reserved, at every tier.
| Cause | Fee outcome |
|---|---|
| Gutschow system fault, or a network or rail fault that persists after retries | The full gross is returned to the sender. No platform fee is retained. |
| Compliance or request-data cause | The $1.00 minimum service fee is retained. The remainder of the gross is returned to the sender. |
| Request rejected at validation, before it is staged | No settlement fee is assessed. The fee is computed at staging. |
Business KYB and production license fees are not covered by this table.
Questions? Answers.
How does the $1.00 minimum work?
The fee is the greater of the percentage fee, rounded to four decimals, and $1.00. At 0.50% the minimum applies to releases under $200 gross. At lower rates the minimum applies to larger releases: under about $333 at 0.30%, $400 at 0.25%, $667 at 0.15%, and $1,000 at 0.10%.
How do volume tiers work?
Gutschow evaluates your tier monthly on trailing 30-day settled GMV. Tier placement is confirmed by Gutschow and is not set through the API. Until confirmed, the default rate applies.
How does Enterprise pricing work?
Enterprise is a custom platform retainer under an Enterprise MSA, plus a 10 bps execution toll with the $1.00 minimum per release. Under an MSA, the more favorable of the negotiated terms and the evaluated volume tier applies, as the agreement provides.
Are network or rail costs included?
No. Network and issuer rail costs are separate from the Gutschow clearing toll and follow your rail arrangement.
What happens to the fee if a settlement fails?
It depends on the cause. A Gutschow or rail fault returns the full gross. A compliance or request-data cause retains the $1.00 minimum and returns the rest.
Is sandbox free?
Yes. Sandbox credentials are free for integration testing. Production requires KYB and a paid Commercial Production License.
When do I pay for production?
After your business KYB decision clears. You are not charged for the license before verification.
Is the license credited against clearing fees?
No. The license and the per-release toll are separate.
Monthly or annual?
Checkout defaults to $999/month. Choose $9,990/year to save $1,998 (two months free vs paying monthly for a year).
Compute the fee.
Then compare it.
A sandbox key follows work-email verification.
The record shows gross, fee, and net.