Fees and Limits¶

Commissions are set by the Independent Liquidity Providers.

Below are the fees for RPay:¶

• ACH Transactions:

  When sending money to bank accounts in the United States (ACH), a commission of 0.1% + US$35 is charged for transactions greater than US $5000.

• Transactions with Cryptocurrencies: The cryptocurrency commission rate is shown in the app when users enter the amount of the transaction. For BTC, users must visit the site https://mempool.space/ choose between Low, Medium and High commissions.

• Transactions to local currencies: When making transactions to or from local currencies, users must verify the exchange rate published in the app.

Some deposit and withdrawal options in the app have limits which reset every 24 hours. Below is a detailed list:

Zelle¶

• Deposit to RPay:
  • From first-party or third-party accounts
  • Maximum amount: US $150
  • Commission: Variable
• Withdrawals to Zelle:
  • Not available

PayPal¶

• Deposit to RPay:
  • Only for users active before December 14, 2020
  • Only from first-party accounts
  • Maximum amount: US $200
  • PayPal Commission: (5.4% + US $0.30) on the total amount sent
  • RPay Commission: 3% on the net amount received after the PayPal commission.
• Withdrawals to PayPal:
  • Not available

ACH Transfers¶

• Withdrawals/Money Sent from RPay to accounts in the US (does NOT include Facebank and Payoneer):
  • To first or third-party accounts
  • Minimum: US $10
  • Maximum: the limit of the user's RPay account
  • Commission: for transactions greater than US $5000: 0.1% + US $35, free for trasnactions less than $5000
  • The receiving bank may charge reception commissions. Users should verify this information in their own online banking interface.

Banesco Panamá¶

• Deposits to RPay:
  • Only from first-party accounts
  • Minimum amount: US $20
  • Maximum amount: US $2,500
  • Commission: ≈2%, variable
• Withdrawals to Banesco Panamá:
  • To first or third-party accounts
  • Minimum amount: US $20
  • Maximum amount: US $300
  • Comission: ≈4%, variable

Uphold¶

• Deposits and Withdrawals:
  • Minimum: US $1
  • Maximum: depends on the user’s verification level in RPay
  • Commission: 0%

Cryptocurrencies¶

Deposits and withdrawals in RSV, USDT, USDC, and DAI:

• Commissions only for withdrawals:
  • the commission shows up when the user enters the desired transaction and amount in the app
• Minimum per transaction and cryptocurrency, deposits and withdrawals:
  • RSV: US $10.00
  • USDT: US $1.00
  • USDC and DAI: commission + US $1.00
• Maximum: according to the user's level of verification