Transaction Fees

Overview

Transaction fees are usage-based charges considered part of your MemberPass subscription cost. These fees are charged as a percentage of your processed volume and vary depending on your subscription plan.

Fee Structure

MemberPass applies different transaction fee rates based on your active plan tier.

Free Tier

10% commission on every sale. Ideal for starting out without upfront costs. Pay only when you earn.

Paid Plans

1% - 3% commission based on plan. As your volume grows, upgrading to a paid plan significantly reduces your transaction fees. - Starter Plan: 3% fee - Growth Plan: 1% fee

Billing Methods

How you are charged depends on the payment method used for the transaction.

Stripe Direct Charge

If you are using Stripe exclusively with the Direct Charge configuration, transaction fees are deducted automatically from the incoming payment in real-time. You receive the net amount (payment minus fee) directly in your Stripe balance. No separate invoice is generated for these fees.

Supported Regions: This method works for Stripe accounts in all countries except:

🇦🇪 United Arab Emirates

🇧🇷 Brazil

🇮🇳 India

🇹🇭 Thailand

🇲🇾 Malaysia

Accumulated Billing (Other Methods)

For all other payment methods (PayPal, Crypto, etc.) and Stripe accounts in the excluded regions listed above, transaction fees are accumulated as a pending balance on your account.

These accumulated fees are charged to your payment method on file:

At the end of your billing cycle: Added to your monthly/yearly subscription renewal invoice.
When a threshold is reached: To prevent large unexpected bills, we charge fees immediately when they reach a certain threshold (e.g., $50).

Usage Billing Threshold

Each plan has a usage billing threshold (typically ranging between $10-$50). If your accumulated transaction fees exceed this amount before your next renewal date, an invoice for the usage amount is generated and charged immediately. The usage counter then resets to zero. If you were to exceed the threshold again, same process is repeated.

Currency Conversion

MemberPass always calculates and charges transaction fees in USD. If your project accepts payments in other currencies, the transaction fee is calculated by converting the transaction amount to USD based on the daily exchange rate.

Fiat currencies

Fiat Currencies

Converted to USD using daily exchange rates from CurrencyBeacon API. The effective exchange rates are displayed as a ticker on your dashboard.

Cryptocurrencies

Stablecoins (USDT, USDC, BUSD): Converted at a 1:1 rate to USD. - Other Tokens: Converted using rates from the CryptoCompare API. For example, BTC.BEP20 is treated as BTC.

Telegram Stars

1 Telegram Star (XTR) = 0.013 USD. This fixed rate follows Telegram's policy.

Refunds & Disputes

MemberPass does not refund transaction fees for refunded or disputed payments. The transaction fee covers the cost of processing the original transaction and is non-recoverable.

Plan Changes

If you upgrade or downgrade your plan, the new transaction fee rate applies immediately to all new payments.

No Retroactive Recalculation

We do not recalculate fees for transactions that occurred while you were on a previous plan. For example, if you process $1,000 on the Free Tier (10% fee) and then upgrade to Starter (3% fee), the $100 fee for those initial transactions remains valid.

What happens if you don't pay

Transaction fees that accumulate get added to your invoices — either immediately (when the usage threshold is hit) or at renewal. If an invoice goes unpaid, MemberPass follows a clearly-defined grace-period procedure designed to give you time to fix things without abrupt service disruption.

Grace period (first 30 days)

Grace period: 30 calendar days

Once an invoice becomes overdue, you get a 30-day grace period during which no restrictions are imposed on your account — projects continue to operate, subscribers can still subscribe, everything keeps running. During that grace period, MemberPass automatically attempts to recover the due amount up to 8 times.

Account lockdown (day 60)

Account lockdown: 60 calendar days

If the overdue amount isn't settled within 60 calendar days, the account enters full lockdown: new revenue generation is blocked (your projects can no longer accept new subscriptions), subscriber-facing flows stop, and if the overdue remains unpaid, customer subscriptions may be permanently cancelled.

Permanent deletion (day 90)

Permanent deletion: 90 calendar days

If the overdue amount still isn't settled within 90 calendar days, the account may be permanently deleted — including your customer base and all information related to the account. This is irreversible.

These thresholds exist so there's a clear, predictable path to resolution — you always have at least 30 days to act on an overdue invoice before anything subscriber-facing changes, and 90 days before the account is beyond recovery.

Fees on access-code redemptions

Access codes have their own fee model, layered on top of the general transaction-fee rules:

Your plan's free access-code allotment resets at the start of each billing cycle (not rolled over).
An access code is counted as "used" when it's redeemed by a subscriber — not when you generate it.
Codes redeemed beyond your plan's free allotment are subject to the same standard transaction fee rate (10 % / 3 % / 1 %).
Unused free allotment does not carry over — it resets at the start of each new cycle.

See Access codes for the full mechanics.