> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bleepay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fee Structure

> Transaction cost layers and commercial terms.

Transaction costs are typically categorized into a few layers. Exact numbers and commercial terms are finalized during onboarding with selected liquidity and settlement partners.

## Cost layers (overview)

| Layer                        | Typical range (indicative)       | Description                                                                           |
| ---------------------------- | -------------------------------- | ------------------------------------------------------------------------------------- |
| **Network & routing**        | \~0.06% baseline + LayerZero/gas | Atomic swap and bridge to USDC/USDT (or target stablecoin); gas and cross-chain fees. |
| **Liquidation & settlement** | \~0.5% – 1.5%                    | Stable-to-fiat conversion and SEPA/banking rails (provider-dependent).                |

* **Network & routing**: Covers DEX swap, bridge (e.g. Stargate/LayerZero), and gas. The baseline percentage is indicative; actual cost depends on chain, volume, and route.
* **Liquidation & settlement**: Covers the off-ramp provider's conversion and bank transfer fees. Range depends on partner, region, and volume.

## Commercial terms

* Final pricing and fee splits are agreed **during onboarding** with the selected liquidity and settlement partners.
* Merchants may see a single blended fee or a breakdown (e.g. Bleepay + network + liquidation); details are provided in the dashboard or contract.

## Next steps

* [Payment flows](/home/architecture/payment-flows) — where liquidation and settlement costs apply.
* [Integration overview](/home/web2-web3-payments/overview) — how to go live and access production pricing.