Fee Schedule
Last updated: July 24, 2026 (v1.5)
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners; stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). Your balance is fully prefunded from your linked business bank account — Lynq Capital does not extend credit, and there are no interest charges or late fees. When the card program launches, cards will be prefunded commercial debit cards with no annual card fees. Free is $0 per month for 1 user with up to 3 wallets. Starter is $49 per month ($588/year when billed annually). Pro is $149 per month ($1,788/year when billed annually). Enterprise plans are tailored to volume, support, and onboarding needs. Money movement is usage-based with no monthly minimums. Third-party fees such as ACH returns and bank wires are passed through at cost. Fees are representative and may be adjusted with 30 days notice.
Plans
| Plan | Price | Details |
|---|---|---|
| Free | $0/mo | 1 user, up to 3 wallets. Segregated wallets per client or campaign, per-wallet spending limits, and a real-time transaction feed. |
| Starter | $49/mo | Billed annually at $588/year. Up to 5 users and 25 wallets. Client & campaign tagging, budgets, receipt capture, and CSV exports. |
| Pro | $149/mo | Billed annually at $1,788/year. Up to 15 users, unlimited wallets. Advanced approvals, custom spend policies, global vendor payouts, accounting exports, API access, and priority support. |
| Enterprise | Custom | Unlimited users, custom wallet volume, SLAs, dedicated onboarding, volume-based money-movement pricing, and custom integrations. |
Usage fees
| Fee type | Free | Start | Pro | Enterprise |
|---|---|---|---|---|
| ACH & virtual-account depositsDeposits to your dedicated account & routing details | 0.5% | 0.5% | 0.5% | Custom |
| Wire depositsBank wire fees passed through at cost | Pass-through | Pass-through | Pass-through | Pass-through |
| Third-party feesACH returns, wire, and network fees pass through at cost | Pass-through | Pass-through | Pass-through | Pass-through |
Card program Coming soon
Prefunded commercial debit cards issued through licensed, regulated partners. The fees below apply when card issuing launches.
| Fee type | Free | Start | Pro | Enterprise |
|---|---|---|---|---|
| Virtual card issuanceNo per-card fee | Included | Included | Included | Included |
| Domestic card transactionsSpend draws on your prefunded balance | No platform fee | No platform fee | No platform fee | Custom |
Global payouts & money movement
Usage-based fees for treasury, virtual USD accounts, vendor and contractor payouts, FX, and USDC acceptance. Standard platform rates shown; volume pricing available on Enterprise. Fees are deducted and remitted by our regulated partners — Lynq Capital never deducts fees from your balance itself. Balances held with custodial partners are not bank deposits and are not FDIC-insured.
| Fee type | Rate | Enterprise |
|---|---|---|
| ACH funding (from your linked bank account)Standard ACH timelines apply | Free | Free |
| ACH & virtual-account depositsDeposits to your dedicated account & routing details | 0.5% | Custom |
| Withdrawals to your bank (ACH)Sent to your linked business bank account | 0.4% | Custom |
| Wire depositsIncoming bank wire fees passed through at cost | Pass-through | Pass-through |
| Outgoing wire withdrawalsPer wire to your linked business bank account | $15 flat | Custom |
| Vendor & contractor payoutsPer payout from your platform balance | From 0.4% | Custom |
| FX USD → EUR, MXN, BRLNo hidden spreads | 1% all-in | Custom |
| Accept USDC (auto-converts to USD)Via your dedicated liquidation address or static memo | 1% | Custom |
| Third-party fees (network, wire, gas)Passed through at cost | Pass-through | Pass-through |
Cost-plus transparency
Money movement is priced cost-plus. Our regulated partners charge us a wholesale rate on each rail, and the Lynq fee is the markup shown below. We absorb fixed partner costs (per-account monthly fees, KYB/KYC screening) — there are no monthly account fees. Partner rates are representative and can decrease at higher volumes; customer pricing stays as published unless updated with 30 days notice.
| Rail | You pay | Partner cost | Lynq margin |
|---|---|---|---|
| ACH & virtual-account deposits | 0.5% | 0.50% | 0% (cost recovery) |
| Withdrawals to your bank (ACH) | 0.4% | 0.25% | 0.15% |
| Outgoing wire withdrawals | $15 flat | 0.25% + pass-through | Remainder after costs |
| Vendor & contractor payouts | From 0.4% | 0.25% | From 0.15% |
| FX USD → EUR, MXN, BRL | 1% all-in | 0.50–0.55% | ~0.5% |
| Accept USDC (auto-converts to USD) | 1% | ~0.25% + gas | ~0.75% |
Included capabilities
- Segregated wallets per client, campaign & employee
- Plaid bank linking — balances & transactions sync
- Daily, monthly & campaign spending limits
- Real-time transaction feed & alerts
- Smart spending limits by role
- Role-based approvals
- Campaign & client tagging
- Real-time analytics
- Transaction history + audit trail
- Receipt capture
- Virtual USD accounts & treasury
- Global vendor & contractor payouts
- USDC acceptance
- Accounting exports (CSV/QBO)
Disclosures
- Not a bank. Lynq Capital is a financial technology company, not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). Card issuing and banking services are provided through licensed, regulated partners.
- No credit. Lynq Capital does not extend credit, and spend cannot exceed your prefunded balance. When the card program launches, cards will be prefunded commercial debit cards funded in advance.
- Third-party services. Card issuing, account services, bank linking, stablecoin custody, and payment services are provided by licensed partners, subject to their terms and availability.
- Not FDIC-insured. Balances held with custodial partners, including stablecoin balances custodied by Bridge, are not bank deposits and are not FDIC-insured or guaranteed. Digital assets can lose value.
- No yield. Lynq Capital does not pay and does not promise interest, yield, APY, or rewards on balances.
For questions, contact us at contact@lynqcapital.co.