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# Fees & pricing

Yodl aggregates multiple processors per country and routes every payment to the one with the best **all-in fee**. There is no static fee table: you get the best available quote at the moment of payment.

## The all-in fee

The all-in fee is what a payment actually costs, made up of:

| Fee | Charged by | Details |
| --- | --- | --- |
| Processor fee | Processor | Percentage fee per payment |
| Minimum / fixed service fee | Processor | Fee floor and/or flat fee, varies by processor |
| FX quote | Processor | Exchange rate applied to convert into local currency |
| Protocol fee | Yodl | 0.10%, currently waived |
| Convenience fee | Wallet | Customizable by the wallet (30% cut to Yodl) |
| Gas fee | Network | Bundled into the payment on L1, sponsored by Yodl on L2 |

Yodl compares the all-in fee across processors for every single payment and picks the cheapest.

:::note
Two of those rows are yours to think about rather than ours. The **convenience fee** is your revenue lever — you set it, and we take 30% of it. The **protocol fee** is 0.10% and currently waived, so don't model it as zero indefinitely.
:::

## Example: Vietnam

### In an ideal world

|             | Processor fee | Minimum fee | FX quote        |
| ----------- | ------------- | ----------- | --------------- |
| Processor 1 | 0.80%         | $0.15       | $1 = 18,000 VND |
| Processor 2 | 0.90%         | none        | $1 = 18,000 VND |

With identical FX quotes, a $20 payment is cheaper on Processor 1 ($0.16 vs $0.18). On a $10 payment the minimum fee kicks in and Processor 2 wins ($0.09 vs $0.15).

### In reality

FX quotes are never identical. They vary a lot, hour by hour, and the swings routinely dwarf the static fees.

|             | Processor fee | Minimum fee | FX quote        |
| ----------- | ------------- | ----------- | --------------- |
| Processor 1 | 0.80%         | $0.15       | $1 = 17,900 VND |
| Processor 2 | 0.90%         | none        | $1 = 18,050 VND |

For a 1,800,000 VND payment, Processor 1 costs $101.36 all-in, Processor 2 costs $100.62. The better FX quote beats the lower percentage fee. An hour later, the quotes may have flipped.

That is why Yodl re-quotes every payment on the all-in fee instead of publishing a static fee table.

:::tip
The practical consequence: **don't hardcode a fee in your own UI.** Quote it from the payment flow at the moment of payment, or state a range. Any number you publish will be wrong within the hour.
:::

## Better rates with KYC

Non-KYC payments are live in Brazil, Vietnam, Philippines, and Argentina — see [supported countries](/supported-countries). KYC unlocks more countries, better rates, and higher limits.