Fees & Rates Explained
Quick Summary
When you exchange crypto with Bit2Pal:
- You receive the quoted PayPal amount as a net payout
- Bit2Pal covers PayPal transaction fees up to 5%
- No hidden Bit2Pal processing fee is deducted afterward
- The payout shown before you confirm is what Bit2Pal aims to deliver
What you see is what you receive.
One of the biggest questions users ask is: "How much will I actually receive in PayPal?" At Bit2Pal, the answer is simple: the amount shown in your quote is the amount you receive, net. That means the quoted payout is the clean final amount sent to your PayPal account, not an amount that gets reduced again by platform fees on Bit2Pal's side.
How Bit2Pal Pricing Works
Your final payout is determined by:
Crypto Market Value + Bit2Pal Bonus Rate = Your PayPal Payout
After that:
PayPal Transaction Fee = Covered by Bit2Pal (up to 5%)
Meaning: your quoted payout remains intact.
Note: Blockchain network fees are paid separately by your wallet when sending crypto, so they do not reduce the quoted payout amount shown by Bit2Pal.
Simple Example
Let's say:
You send: 0.010 BTC BTC market price: $100,000 Market value: $1,000
If Bit2Pal offers a +9% bonus rate:
$1,000 × 1.09 = $1,090
Your quoted payout becomes $1,090 PayPal USD.
Now assume PayPal charges a transaction fee of 4.5%:
4.5% × $1,090 = $49.05
Normally, without fee coverage:
$1,090 - $49.05 = $1,040.95 received
With Bit2Pal fee coverage:
Bit2Pal covers $49.05 You still receive $1,090 net
Final received amount: $1,090 clean payout.
Another Example
Suppose:
Crypto value = $500 Bonus payout rate = +9%
Calculation:
$500 × 1.09 = $545
Quoted payout: $545
If PayPal fee is 3.9%:
3.9% × $545 = $21.26
Normally:
You receive = $523.74
With Bit2Pal:
Bit2Pal covers $21.26 You receive = $545 net
Final amount: $545 clean.
What "Up to 5% Fee Coverage" Means
Bit2Pal covers PayPal transaction fees up to 5%.
Example:
If PayPal fee = 3.5% Covered fully by Bit2Pal If PayPal fee = 4.7% Covered fully by Bit2Pal If PayPal fee = 5.0% Covered fully by Bit2Pal If fee exceeds 5% in unusual circumstances Additional fee may apply
This is uncommon, but Bit2Pal believes in being transparent about it.
What Can Still Affect Final Value?
1. Blockchain Network Fee
When sending crypto, your wallet may charge a blockchain network fee.
Examples include Bitcoin miner fees, Ethereum gas fees, and Solana network fees.
This fee is not charged by Bit2Pal and does not reduce your quoted payout amount.
It is paid separately to the blockchain network to process your transaction.
2. Wrong Network or Wrong Asset
Sending unsupported coins or using the wrong network may cause delays, failed processing, or recovery fees.
Always double-check the coin, network, and amount before sending.
3. PayPal Currency Conversion
If your PayPal account automatically converts incoming USD into another currency, PayPal may apply its own conversion rate.
This is controlled by PayPal, not Bit2Pal.
No Hidden Deductions
At Bit2Pal:
- No surprise payout deductions
- No hidden processing fee after quote
- No unexpected PayPal fee reduction, covered up to 5%
- Clear payout estimate before you send crypto
The quoted amount is designed to be the amount you receive.
FAQ
Is the quoted payout gross or net?
Net. The quoted amount is intended to be your final clean payout.
Does Bit2Pal deduct PayPal fees afterward?
No. Bit2Pal covers PayPal transaction fees up to 5%.
Can blockchain fees affect my payout?
Not directly. Blockchain fees are paid separately by your wallet to the network, so they do not reduce your quoted Bit2Pal payout amount.
Can PayPal still apply currency conversion?
Yes, if your PayPal account converts USD into another currency automatically.