Glossary
Melody — paype's Default Tier
paype's default tier — standard rates, no qualifier. Everyone starts here.
Platform
paype's default tier — standard rates, no qualifier. Everyone starts here.
Melody — paype’s default pricing tier. Every account starts here. No minimum fees, no qualification threshold, no application. Just standard rates, ready to use.
What Melody means
You don’t do anything to get Melody — it’s automatic at account opening. You get access to every payment rail and every paype feature at standard rates from day one.
Standard rates
| Action | Melody rate |
|---|---|
| SWIFT inbound | 0.15% |
| P2P (paype to paype) | Free |
| SWIFT outbound | $25 + 0.75% |
| SEPA outbound | $5 + 0.35% |
| Card processing | 2.5% + $0.30 |
| FX conversion | 1.2% |
Graduating from Melody
Melody upgrades happen automatically:
- Hit $500 in monthly fees → Big Band (25% off) for that month
- Hit $1,000 in yearly fees → Orchestra (40% off) for the rest of the year
You never need to ask for an upgrade. The system tracks your volume and applies the discount the moment you qualify.
See the full pricing schedule
View all tiers and fees →