Fees
HandlePay fees, all in one place
What it costs to receive dollars, keep them and cash out to a Pakistani bank. No monthly fee, and sending to another @handle is free.
In your name.
Held in dollars.
Withdraw to PKR
when you choose.
- ACH
- SWIFT
- Free @handle to @handle
How much does HandlePay charge?
Updated
Receiving by ACH or wire costs $0.50 plus 0.2% of the payment. A SWIFT payment costs $20 plus 0.2%. Cashing out to a Pakistani bank costs 0.5%, at the Google rate. The account is free for the first year, then $25 a year, and sending to another HandlePay user is free.
Every fee
What each step costs and how long it takes
| Cost | How long it takes | |
|---|---|---|
| Receive by ACH or wire (clients in the US) | $0.50 + 0.2% of the payment | 1 to 2 business days |
| Receive by SWIFT (clients abroad) | $20 + 0.2% of the payment | 1 to 4 business days |
| Cash out to a Pakistani bank | 0.5%, at the Google rate | Within minutes |
| Send to another @handle | Free | In seconds |
HandlePay fees as of 11 November 2026. For SWIFT, the payer's bank or a bank in between may deduct its own charges before the payment arrives.
Example: $1,000 from a client in the US
Your client in the US pays $1,000 by ACH. HandlePay takes $0.50 plus 0.2% ($2.00), so $997.50 lands in your account. Cash all of it out and the 0.5% fee leaves about $992.50 converted to rupees at the Google rate. The same $1,000 sent by SWIFT lands as $978.04, so ask US clients to pay by ACH.
What you don't pay
No monthly fee and no cash-out limit
No monthly fee
Your first year is free. After that the account is $25 a year.
No cash-out limit
Cash out to any Pakistani bank whenever you choose. There is no daily or monthly limit.
Up to $1M per payment
Large client payments land in one go, in your own name.
Free @handle transfers
Send money to friends, family or your team on HandlePay for free, in seconds.
Free for your first year
Claim your USD account for free
US account details in your own name, ready in a few minutes. Your first year is free, then $25 a year.
ACH details for clients in the US- SWIFT details for clients worldwide
- Receive up to $1M per payment
Ready in a few minutes
FAQ
Questions people ask
Does HandlePay charge to receive money?
Yes, a small fee. A payment by ACH or wire costs $0.50 plus 0.2% and lands in 1 to 2 business days. A SWIFT payment from a client abroad costs $20 plus 0.2% and takes 1 to 4 business days.
What is the 0.2% fee on incoming payments?
It is 0.2% of each payment you receive, charged when the payment lands, on top of the $0.50 ACH or wire fee or the $20 SWIFT fee. On $1,000 by ACH, it is $2.00.
What rate do I get when I cash out to PKR?
The Google rate, with a 0.5% fee on the amount you cash out. The rupees land in your Pakistani bank within minutes.
Is there a limit on how much I can cash out?
No. There is no daily or monthly cash-out limit, and you can receive up to $1M in a single payment.
Is there a monthly fee?
No. The account is free for the first year, then $25 a year. Sending money to another HandlePay user is always free.
Keep reading
HandlePay
is live
Get US dollar account details in your own name in a few minutes. Download the app to start receiving USD.
