Routable charges different fees based on the type of transaction.
Bank Transfer Payable Transaction Fees
Delivery option | Delivery speed | Fee |
ACH SameDay | End of business day | $2.00 |
ACH NextDay | 1 business day | $1.00 |
ACH Expedited | 2-3 business days | $0.50 |
ACH Standard | 4-5 business days | $0.50 |
Real-Time Payments (RTP) | Within seconds | 1% |
Bank Transfer Receivable Transaction Fees
Delivery option | Delivery speed | Fee |
ACH Standard | 4-5 business days | 0.8% ($5.00 cap) |
Check Transaction Fees
Delivery option | Delivery speed | Fee |
USPS First-Class | 2-5 business days | $1.50 |
USPS Certified First-Class | 2-5 business days | $12.50 |
USPS Priority | 2-3 business days | $12.50 |
USPS Priority Express | 1-2 business days | $35 |
USPS Priority w/ Signature | 2-3 business days | $15 |
USPS International First-Class | 7-14 business days | $4 |
FedEx Next Day | 1 business day | $30 |
FedEx Two Day | 1-2 business days | $15 |
International Bank Transfer Payable Transaction Fees
⭐️ International fees apply starting on August 30th, 2022
Delivery option | Delivery speed | Fee |
International ACH | 3-5 days | $0.99 for payments under $500, $0 otherwise |
SWIFT OUR* | 3-5 days | $26 |
SWIFT SHA** | 3-5 days | $10 |
*SWIFT OUR: The payer covers intermediary bank charges, so they aren't deducted from the amount the recipient receives.
**SWIFT SHA: The payer only covers charges from their bank (the sending bank). The recipient is responsible for intermediary charges, and might not receive the full payment amount.
Basis Points and Addenda Records
Adding an Addenda Record to a payment can result in an additional cost of up to 3 basis points per transaction (with a maximum cost of $1.99 per transaction).
Basis points are a unit of measure used in finance to describe the percentage change.
One basis point is equal to 0.01% (1/100th of a percent).
A charge of 3 basis points means that the charge is 0.03% of the initial amount.