Coinbase applies a flat fee rather than a percentage-based fee for transactions below a specified dollar threshold, with the applicable flat fee amount displayed at the time of transaction. The document indicates flat fees apply to transactions in lower value tiers, with the percentage fee structure applying above those thresholds.
This analysis describes what Coinbase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that the fee calculation method switches between flat-rate and percentage-rate depending on transaction size, and the applicable fee is disclosed at checkout rather than in a static published schedule for all transaction sizes. Users making small or infrequent purchases should be aware that the flat fee may represent a higher effective percentage cost on low-value transactions than the stated percentage rates suggest.
Interpretive note: The specific flat fee amounts and transaction size thresholds triggering the flat fee structure were not fully visible in the truncated document text.
This provision explicitly introduces flat-fee option for small transactions, whereas previous version contained specific dollar tiers ($0.99-$2.99) that are now removed.
View full change record →Under this provision, transactions below applicable thresholds are subject to a flat fee rather than the percentage rate, with the specific amount disclosed at the time of transaction confirmation. For small transactions, the flat fee may represent a proportionally higher effective cost than the percentage tiers applicable to larger transactions.
How other platforms handle this
We may change our fees and exchange rate spreads at any time by giving you notice in accordance with this Agreement. Changes to fees and exchange rates may take effect immediately or on a date specified in the notice.
You can close your account at any time through the Revolut app, or by emailing us at support@revolut.com. You will still have to pay any charges you've incurred. We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your M...
Stripe may revise these General Terms, the Services Terms, and the Fees at any time by posting updated versions to our website or notifying you by email. The updated version will be effective as of the time it is posted or, if we notify you by email, as stated in the email. Your continued use of the...
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"For lower value transactions, Coinbase may charge a flat fee instead of a percentage-based fee. The flat fee is displayed to the customer prior to completing the transaction.— Excerpt from Coinbase's Coinbase Fee Schedule
1) REGULATORY LANDSCAPE: Flat fee structures in retail payment and trading products are subject to CFPB and FTC consumer disclosure standards. The requirement that the fee be displayed prior to transaction completion is consistent with FTC all-in pricing guidance. State money transmission disclosure requirements may apply. 2) GOVERNANCE EXPOSURE: Low. Flat fee structures for small transactions are a standard industry practice. The compliance consideration is whether the effective annual percentage cost implied by the flat fee on very small transactions is disclosed in a manner consistent with applicable consumer protection standards. 3) JURISDICTION FLAGS: No jurisdiction-specific heightened exposure identified beyond general consumer protection framework applicability. 4) CONTRACT AND VENDOR IMPLICATIONS: No material B2B or vendor contract implications specific to this provision. 5) COMPLIANCE CONSIDERATIONS: Compliance teams should verify that the flat fee disclosure mechanism at checkout satisfies applicable pre-transaction disclosure standards and that the fee schedule is updated promptly if flat fee thresholds or amounts change.
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This provision establishes that the fee calculation method switches between flat-rate and percentage-rate depending on transaction size, and the applicable fee is disclosed at checkout rather than in a static published schedule for all transaction sizes. Users making small or infrequent purchases should be aware that the flat fee may represent a higher effective percentage cost on low-value transactions than …
Under this provision, transactions below applicable thresholds are subject to a flat fee rather than the percentage rate, with the specific amount disclosed at the time of transaction confirmation. For small transactions, the flat fee may represent a proportionally higher effective cost than the percentage tiers applicable to larger transactions.
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