> For the complete documentation index, see [llms.txt](https://pingbusiness.gitbook.io/pingbusiness/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pingbusiness.gitbook.io/pingbusiness/payments/fees-and-pricing.md).

# Fees & Pricing

Last updated: 16 July 2026

PingBusiness retains the right to update it from time to time — material changes will be notified by email or dashboard notice with reasonable advance notice.

### **Platform Fee**

| **Fee**      | **Amount**         |
| ------------ | ------------------ |
| Platform fee | 5% per transaction |

* The platform fee is calculated on the **total order value** of each sale and deducted automatically when the order is placed. There is no fixed per-transaction amount, no monthly fee, no setup fee, and no charge for test mode.
* The fee is the same for one-time purchases and subscription payments, for all supported payment methods, and for domestic and international buyers — no surcharges.
* *Example: your customer pays US$100 for your product → platform fee US$5.00.*

### **What The Platform Fee Includes**

* Payment acceptance and processing through our licensed payment partners
* Hosted checkout, subscription billing, and customer receipts
* Calculation, collection, and remittance of applicable indirect taxes (VAT / GST / sales tax) on sales made through the PingBusiness checkout
* On/off ramping fee to convert fiat to digital assets or vice versa
* Fraud screening and transaction monitoring
* Dashboard, reporting, and API access

### **Checkout Location And Indirect Taxes**

* Your account has a **checkout location** setting that determines the indirect tax treatment of your sales. **By default, the checkout location is set to Hong Kong**, which currently imposes **no sales tax / VAT / GST** on sales of digital products — so no indirect tax is added at checkout, and your buyer pays the listed price.
* If you change your checkout location to another country, sales through your checkout become subject to that country's indirect taxes (VAT / GST / sales tax): the applicable tax is **calculated and added at checkout, collected from the buyer, and remitted by PingBusiness** — at no extra fee to you.
* **The platform fee is 5% in all cases**, regardless of checkout location. Indirect tax is charged on top of your price and borne by the buyer — it does not change what you receive per sale.
* Note on taxes: You remain responsible for your own income tax on your earnings, for choosing a checkout location consistent with your circumstances, and for any tax obligations arising outside the platform. See the Service Agreement for details.

### **Settlement Fees**

| **Item**                                    | **Amount**                                                     |
| ------------------------------------------- | -------------------------------------------------------------- |
| Settlement to your registered wallet (USDC) | Network gas fee passed through at cost                         |
| Fiat on/off-ramp via partner                | Per the partner's published rates, disclosed before you opt in |

### **Other Fees**

| **Item**                        | **Amount**                                                                                                              |
| ------------------------------- | ----------------------------------------------------------------------------------------------------------------------- |
| Refunds issued to your buyer    | No fee — **the platform fee on the original transaction is returned to you in full** (see Refund and Chargeback Policy) |
| Chargeback / payment dispute    | **US$15-50 per dispute**, plus the disputed amount deducted from your balance (see Refund and Chargeback Policy)        |
| Currency conversion at checkout | Per the partner's published rates, disclosed before you opt in                                                          |
| Change of settlement wallet     | Free (subject to re-verification)                                                                                       |


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