Starter
$0/month
For small teams getting started.
- Unlimited virtual cards
- Tap to pay in Apple / Google wallets
- Rate margin 1.20%
- Up to $25,000 / month at this rate
Learn
Fees and rates, nothing hidden
Every fee is on this page. No hidden fees, no fees that turn up later, and no fees that exist only in the terms.
Target pricing for launch. Final pricing will be published before general availability, and changes are announced at least 30 days ahead.
Plans
Growth
$49/month
For companies spending and paying out regularly.
- Everything in Starter
- Rate margin 0.90%
- Approval flows and exports
- Up to $250,000 / month at this rate
Scale
Custom
High volume, platforms and card programs.
- Margins from 0.50%
- Card programs and API
- Dedicated onboarding
- Written agreement
The rate schedule
Every fee in one table. What you see here is what the app charges.
| Fee | Rate | What it means |
|---|---|---|
| Account opening and verification | $0 | Once, when the workspace is opened. |
| Virtual card issuance | $0 | As many as you need, subject to fair use. |
| Network fee on spend | $0 | We cover it on every card and tap payment. |
| Declined or failed payment | $0 | Nothing is taken, or it is returned in full. |
| Rate margin on spend | 0.50–1.20% | Inside the rate shown to you. Depends on plan. |
| Cross-border payout | 0.60% | Inside the rate. Third-party bank charges pass through at cost and are shown separately. |
| Receive stablecoin on-chain | $0 | You pay only the sender’s network fee. |
| Receive by bank transfer | 0.30% | Converted to USDC at the rate shown. |
| Idle balance, inactivity, closure | $0 | None of these exist. |
Work out a payment
Choose a currency and an amount to see the rate, the margin and exactly what leaves your balance.
Market rate, 1 USDC0000
Rate margin—
Janehub rate, 1 USDC0000
Separate fees0
Merchant receives—
Leaves your balance—
Against other ways to pay
The same purchase, the same market rate, right now.
Janehub
Margin inside the rate. No fee lines.
Effective cost—
Leaves your balance—
Difference—
Foreign-issued credit card
Network FX markup of about 3% plus an issuer fee of about 1%.
Effective cost—
Leaves your balance—
Difference—
Money changer
Buy–sell spread typically 2–3% on small amounts.
Effective cost—
Leaves your balance—
Difference—
Bank wire
FX markup around 1.5% plus a fixed fee of about $25.
Effective cost—
Leaves your balance—
Difference—
Competitor figures use the markups issuers and banks commonly publish, not a quote from any named company. Market rates come from CoinGecko and update every 10 minutes.
How we set prices
The rate is shown before you pay
Merchant, amount, what leaves your balance, the rate and the total cost — before you press anything.
One number to compare
Our margin is inside the rate, so the rate is the only figure you need.
Tiers are published
The more you move, the cheaper the rate. Tiers are written down here.
One-off fees cover real costs
Physical cards, delivery and business verification have real costs. We pass them on at cost.
Questions about fees
Why is the fee not a separate line?
Because the margin is already inside the rate. A separate line would mean paying twice for the same thing.
Can the rate change after I confirm?
No. The rate is locked for 60 seconds. If the lock expires you are asked to confirm again at the new rate.
If a payment fails, am I charged?
No. If the merchant is not paid, your asset is not charged, or it is returned in full.
Can these prices change?
Yes. Every change is announced at least 30 days before it applies.
- All rates include applicable taxes unless an invoice states otherwise.
- Business rates may differ by volume, sector and risk, and are set out in a written agreement.
- Third-party costs outside our control, such as correspondent bank fees, are passed on at cost and shown separately.
- This page forms part of the Terms. Where it and your written agreement differ, the agreement applies.
Be first to run your company on a tap.
One work email. We reach out when your region and use case are ready.