Overview

Everflow Pay features a simplified billing structure with costs based on your total monthly payout volume. Domestic ACH and wire transfers have no transaction fees, while flat transaction fees only apply to international payments sent in USD (non-USD international payments only incur standard FX conversion rates).

For specific pricing details, please contact your Account Manager or reach out to support@everflow.io.

Fee Responsibility

Payer (Advertiser)

• Usage fees based on monthly transaction volume
• Billed through monthly Everflow Platform bills

Payee (Affiliate/Partner)

• Payees are responsible for international transaction fees (applicable to USD-to-USD transfers) and FX conversion rates
• These are taken out of their payment automatically

Fee Collection

• International transaction fees (USD-to-USD only): Automatically deducted from payments
• Usage fees: Added to monthly Everflow Platform bills

Cross-Border Transaction Fees

When sending cross-border payments to International Payees, the fee structure depends entirely on whether the payment is kept in USD or converted to a local non-USD currency. Flat transaction fees only apply to USD-to-USD international transfers.

Cross-Border USD Payments (Flat Fee)

If an international payee receives their payment in USD, a flat transaction fee is deducted from the payout amount based on the total volume:

FX Payments / Non-USD Conversions (No Flat Fee)

If the payment is converted from USD to a local, non-USD currency, no flat transaction fees are applied. The payee will only incur the variable foreign exchange (FX) conversion rate set by banking partners at the time of the transaction, with no additional transaction fees.

How Currency Conversion Works

If a payment is converted into a local currency, the cost of that conversion sits inside the exchange rate rather than appearing as a separate charge. That is why you will not find it on a list of fees. It is worth understanding, because it is the answer to most questions that start "why did my Partner receive less than I sent?"

The Rate You See Online Is Not the Rate You Get

The number you get from a search engine or a currency app is the mid-market rate. It is the midpoint between what buyers and sellers are offering at that moment, it is what central banks publish, and nobody actually transacts at it. The US Federal Reserve publishes these reference rates every week if you want to see them at source.

Every institution that converts money for you, banks included, adjusts that rate slightly as the cost of doing the conversion. The difference between the mid-market rate and the rate you actually receive is called the spread, and it is how currency conversion is priced almost everywhere.

What That Means for Your Payments

A cross-border payment sent in US dollars carries the flat transaction fee shown above, and no conversion is involved. A payment converted into a local currency carries no flat fee at all, and the cost is in the rate instead. Neither is hidden and neither is unusual, but they show up in different places, which is why a payment can look like it cost nothing and still arrive smaller than expected.

Payments to Canada

Your Everflow Pay balance is held in US dollars. A payment to a Canadian bank account is therefore always converted, and what a Canadian Partner sees reflected in the rate is a currency conversion, not a transfer fee.

This may change in future. Once Everflow Pay supports holding balances in other currencies, a Canadian dollar payment from a Canadian dollar balance would not need converting, and a small transfer fee could apply instead. That is not the case today.

How to Reduce What Conversion Costs You

Legal Disclosure

‍The Everflow Pay program fee and usage fee are based on Everflow customers' usage of the invoicing technology and platform services.

Everflow Pay customers are not required to maintain an Everflow Business Deposit Account and the program and usage fees are not related to the deposit product or payment services provided through Veem.

Please contact us with any questions at support@everflow.io.

* International Transactions will be processed either via wire or local network.