Pricing

Simple and scalable pricing with low fees. Also inspect our limits and exchange rates.

Fees

Examples

Checkouts, E-Invoices, and Deposits Checkouts, E-Invoices, and Deposits
0.50 % Fee applies to completed checkouts and deposits made on Bitcoin, Lightning, Litecoin, Stellar, EURC, USDC, SWIFT, SEPA, or PIX. Upon completion of a checkout or blockchain deposit totaling 100 EUR, your account will be credited with a net amount of 99.50 EURC. Whalestack applies a fee of 0.50 EURC.
Bank Deposits Bank Deposits

SEPA at 0.30 %

A 0.30% fee is applied by the processing bank. Minimum fee is 4 EUR.

SWIFT at 1.50 %

A 1.50% fee is applied by the processing bank. Minimum fee is 50 EUR.

Brazilian PIX at 0.00 %

Brazilian PIX deposits are currently free of bank fees.
When you complete a bank deposit of 1,000 EUR via SEPA, your account will be credited with a net amount of 991.02 EURC (or its equivalent in USDC if you have selected it as your target asset). The bank will deduct a 4 EUR fee (minimum SEPA fee), and then Whalestack will apply its 0.50 % deposit fee to the remaining amount.
Blockchain Transfers (Withdrawals) Blockchain Transfers (Withdrawals)
0.00 % Whalestack does not collect any fee on outbound blockchain transactions but you are responsible for the mining or network fee, if any.

Bitcoin

You pay a fixed fee of 0.0002 BTC and a percentage fee of 0.10 %.

Lightning

Whalestack pays all network fees for outbound transactions for you.

Stellar Network

Whalestack pays all network fees for outbound transactions for you.

Litecoin

You pay a fixed fee of 0.0001 LTC and a percentage fee of 0.10 %.

Ethereum

You pay a fixed fee of 10 EURC or USDC.
No fees apply when transferring on the Stellar Network or using Lightning. For Bitcoin or Litecoin transfers, a small percentage fee and fixed fee are applied to cover mining costs. You can choose whether you or the recipient bears this fee. When transferring USDC or EURC to Ethereum, a flat fee of 10 EURC or USDC applies to cover the network transaction cost.
Bank Transfers (Withdrawals) Bank Transfers (Withdrawals)

SEPA at 0.30 %

A 0.30% fee is applied by the processing bank. Minimum fee is 4 EUR.

SWIFT at 1.50 %

A 1.50% fee is applied by the processing bank. Minimum fee is 50 EUR.

Brazilian PIX at 2.00 %

A 2.00 % percentage and a 2 BRL fixed fee are applied by the bank.
When initiating a bank withdrawal of 1,000 EURC to SEPA, the recipient will receive a net amount of 996 EUR. The bank will deduct 4 EUR (the minimum SEPA fee).
Setup Fees Setup Fees
None None
Monthly Fees Monthly Fees
None None
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Limits

Minimum and maximum payment amounts during checkouts, deposits, or transfers.

Transaction Limits

Without automatic asset exchange
These limits apply to transactions that do not initiate an asset exchange, such as checkouts where the settlement currency matches the payment currency or direct deposits and transfers.

Bitcoin

Max. 100 BTC, Min. 0.00001 BTC

Lightning

Max. 2.5M SAT, Min. 4,000 SAT

Litecoin

Max. 10,000 LTC, Min. 0.00001 LTC

Stellar Lumens

Max. 100M XLM, Min. 0.00001 XLM

USDC

Max. 100M USDC, Min. 0.00001 USDC

EURC

Max. 100M EURC, Min. 0.00001 EURC
Automatic asset exchange into USDC, EURC, or BRL
Transactions involving automatic asset exchange, such as checkouts, depend on the available liquidity on the Stellar Decentralized Exchange. Transactions that automatically convert from a custom payment asset (e.g., BTC) into USDC or EURC are currently subject to the following limits.

Bitcoin

Up to ~ 5k USDC settlement Up to ~ 1k EURC settlement Up to ~ 25k BRL settlement

Lightning

Up to ~ 600 USDC settlement Up to ~ 500 EURC settlement Up to ~ 3k BRL settlement

Litecoin

Up to ~ 1.5k USDC settlement Up to ~ 1k EURC settlement Up to ~ 7k BRL settlement

Stellar Lumens

Up to ~ 50k USDC settlement Up to ~ 1k EURC settlement Up to ~ 25k BRL settlement

USDC

Up to ~ 1k EURC settlement Up to ~ 25k BRL settlement

EURC

Up to ~ 1k USDC settlement Up to ~ 7k BRL settlement
Bank Deposits

SEPA

Max. 500k EUR, Min. 50 EUR

SWIFT

Max. 500k EUR, Min. 250 EUR

Brazilian Pix

Max. 50k BRL, Min. 30 BRL
Bank Transfers (Withdrawals)

SEPA

Max. 500k EUR, Min. 50 EUR

SWIFT

Max. 500k EUR, Min. 250 EUR

Brazilian Pix

Max. 40k BRL, Min. 30 BRL

Exchange Rates

Crypto and stablecoin asset exchange takes place on the Stellar Decentralized Exchange (SDEX) and is subject to the available liquidity in liquidity pools and order book markets on the Stellar Network. Whalestack incorporates exchange rate protection, preventing transactions or asset swaps that deviate significantly from global market average exchange rates. For USD/EUR and EUR/USD exchange rates (relevant during SWIFT or SEPA payouts), these rates are determined by the processing bank, following the guidelines provided by the European Central Bank (ECB).

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