PRICING
Free forever.
0% from Bruce to send, receive, invoice, checkout, and use escrow. Every product. No plan. No subscription.
What you get
- $0Send & receivePay anyone by @username, QR, or wallet. Instantly.
- $0Invoices & checkoutBill clients and get paid from a clean pay page.
- $0EscrowLock funds until the work is done. Create to release, $0.
- $0Business toolsTeams, approvals, batch payouts, statements, exports.
- $0Developers & agentsAPI, webhooks, MCP, store plugins, and agent accounts.
- $0Account & securityWallet, PIN, passkeys, alerts, and verified profiles.
Full schedule
Bruce fees on Bruce products. Always $0.
| Product | Bruce fee | Notes |
|---|---|---|
| Send money | $0 | No percentage. No per-transfer charge. |
| Receive money | $0 | Keep the full amount. |
| @username pay page | $0 | Your public bruce.money/username page. |
| QR pay card | $0 | Print, share, or scan to pay. |
| Payment requests & reminders | $0 | Ask and follow up at no charge. |
| Payment links | $0 | One link, paid in seconds. |
| Invoices | $0 | Create, send, and settle. No cut. |
| Checkout & Buy with Bruce | $0 | Links, buttons, and store plugins. |
| Escrow | $0 | Create, fund, release, or cancel. |
| Scheduled payments | $0 | Set money aside and send later. |
| Batch payouts | $0 | Pay a list of people in one run. |
| Teams & approvals | $0 | Roles and thresholds for businesses. |
| Statements & exports | $0 | PDF statements and accounting files. |
| API, webhooks, MCP & agents | $0 | The same rails, for software. |
The one exception
Escrow is free. Bruce charges no fees to create, fund, release, or cancel an escrow - you pay $0.
A fee applies only if a dispute is opened and Bruce reviews it: $10 or 1.5% of the transaction amount, whichever is higher. Dispute resolution is free for transactions up to $100.
- $0Disputes on deals up to $100
- $10Minimum review fee above that
- 1.5%Or this of the deal, if higher
| If Bruce reviews | Review fee |
|---|---|
| $80 deal | $0 (waived) |
| $200 deal | $10 |
| $1,000 deal | $15 |
The review fee is charged only when Bruce reviews an opened dispute. If you settle between yourselves, escrow stays $0.
Adding money and withdrawing
Moving between a bank or card and your Bruce balance is handled by licensed partners. Bruce does not take a cut. Partner fees and exchange rates can apply, and they vary by currency - review the rate shown before you confirm.
- Add money
- Partner fees and exchange rates may apply and can vary by currency. Review the rate shown by our licensed on-ramp providers before you confirm. How add money works
- Withdraw
- Partner fees and exchange rates may apply and can vary by currency. Review the rate shown by our licensed off-ramp providers before you confirm. How withdraw works
Full partner-rail terms: Terms of Service.
How it compares
Cross-border rails often take 2-6% plus FX. Bruce is 0% forever on its own products.
| Rail | Typical fee | Notes |
|---|---|---|
| Wise | ~0.4-2% + FX | Strong fiat UX; slower than Money settlement |
| PayPal / Payoneer | ~2.9% + FX / withdrawal | Chargebacks; high cross-border friction |
| Stripe | ~2.9% + 30¢ | Cards; not stablecoin settlement |
| Coinbase Commerce | Often ~1% | Checkout-only; weaker invoices and escrow |
| Bruce | 0% forever | Invoices, checkout, escrow → Money. No gas or chains to manage. |
Indicative market ranges - verify before you switch. Open the compare page.
Questions
Is Bruce really free forever?
Yes. Bruce charges 0% to send, receive, invoice, create checkout links, or use escrow - forever. There is no paid plan and no subscription.
When does Bruce charge anything?
Only if an escrow is disputed and Bruce reviews it, and only above $100. A fee applies only if a dispute is opened and Bruce reviews it: $10 or 1.5% of the transaction amount, whichever is higher. Dispute resolution is free for transactions up to $100.
What about adding money or withdrawing to a bank?
Bruce does not add a platform fee. Licensed partners handle card, bank, and local-currency rails. Partner fees and exchange rates may apply and can vary by currency. Review the rate shown by our licensed on-ramp providers before you confirm.
Do I pay network or gas fees?
Not for normal use. Bruce sponsors network fees on its own products so sending, receiving, invoicing, and escrow stay $0 for you.
More answers in the FAQ. How your money is held: Balances are USDC (a regulated, dollar-backed stablecoin issued by Circle) on the Base network. Wallets are self-custodial and secured by Privy - Bruce never holds user funds, and users can export their private key.