SohoPay charges one fee: 5% per transaction, paid by the operator. This page shows exactly how it’s calculated, where the money goes, and how it lands in your books. Written for finance teams first, engineers second.

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The fee in one table

The 3% LP share is what makes the credit model work: vault depositors who collateralize agent credit lines earn yield from real payment flow. See ERC-4626 Vault.

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Worked example

An agent pays a 25.00 USDC order:
Because the fee is debited from the credit line, budget for it when sizing limits: an agent with a daily_limit of 100.00 USDC can settle roughly 95.24 USDC of orders per day, since each order consumes its amount plus 5%.

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Billing model

There is no invoice-then-pay cycle for fees. Each settlement debits order amount × 1.05 from the agent’s available credit at the moment it settles, and the fee is itemized on the payment object and in every export. You repay the credit line (orders + fees together) on your normal repayment flow — see Vault Funding. For reconciliation you get:
  • Per-transaction detail — every payment record carries the order amount and the fee as separate fields, in the API and in CSV exports.
  • Monthly settlement report — auto-emailed to the account’s billing contact at the start of each month: total volume, total fees (split shown), per-agent breakdown, and outstanding balance.
  • Monthly invoice — a formal invoice matching the settlement report, for accounts-payable records. Configure the billing contact in the Dashboard under Settings → Billing.

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Enterprise pricing

The 5% headline rate applies to self-serve accounts. High-volume integrators and platforms can discuss committed-volume pricing — contact support@sohopay.xyz with expected monthly USDC volume, or ask in the beta-integrator Slack.
SohoPay is pre-mainnet. Sandbox usage is free today, and the fee mechanics on this page describe how mainnet billing will operate at launch. Enterprise terms are agreed per contract.

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Quick reference for modeling

  • Effective cost to operator per order: amount × 1.05
  • Merchant proceeds per order: amount (always)
  • Fee on a failed or expired order: 0
  • Minimum or maximum fee: none — it’s a flat 5% at any order size

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Common questions

No. Merchants receive the order amount in full by design — it’s a core guarantee of the trust model, not a pricing default you can change. If you need to recover the fee, price it into what your agents pay for.
Yes. The full amount × 1.05 debit counts toward both daily_limit and available credit, which is why the 100.00 USDC daily-limit example above supports ~95.24 USDC of orders.
Fees follow settlements. A payment that never settles is never charged; a settled payment’s fee stands unless a dispute resolution under the claims process explicitly adjusts it.

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Next steps

Trust Model

How the fee fits the wider who-pays-whom picture.

Vault Funding

Collateral, borrowing capacity, and repaying the credit line.

Wallet Usage Analytics

Track fee spend and credit utilization per agent.