> For the complete documentation index, see [llms.txt](https://docs.gluwa.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.gluwa.com/get-started/gluwa/fees.md).

# Fees

There are two types of transaction fees in Gluwa: a transfer fee and a payment fee. The baseline is that fees are paid by whoever initiates the transaction. Note that we consider merchants to start payments, not customers, so the merchant pays the payment fee.

## Transfer fee

A transfer fee is applied when you initiate a send transaction to another user.

| **Currency**                     | **Transfer Fee**                                  |
| -------------------------------- | ------------------------------------------------- |
| USDC-G                           | 0.5 USDC-G                                        |
| sUSDC-G                          | 0.1%                                              |
| NGN-G                            | 100 NGN-G                                         |
| sNGN-G                           | 0 NGN-G                                           |
| BTC                              | [Market Price (BTC)](https://bitcoinfees.info/)   |
| ETH & ERC-20 (USDC - USDT - CTC) | [Market Price (ETH)](https://ethgasstation.info/) |

For Gluwacoin, the fee is almost fixed as above. The fee may increase if the Ethereum transaction fee [market price](https://ethgasstation.info/) gets unusually high.

For Bitcoin, the fee follows the [market price](https://bitcoinfees.info/). The same is true for Ethereum and ERC-20 token transfers. The network requires you to pay a transaction (*i.e.* gas) fee so you can interact with it. These fees are used to compensate miners for the energy required to verify a transaction and also provide an additional layer of security. There are no other fees.

By default, Gluwa mobile application adds the fee amount suggested by Gluwa. The transaction fee market of the blockchain determines the amount of its transaction fee, and the amount evolves. Gluwa follows the latest fee information and suggests an amount that is expected to process your transaction in a reasonable amount of time.

## Payment Fee

You may start making a payment by scanning a payment QR code with the Gluwa app. Since the merchant initiated the transaction by requesting it, the payer will not pay or see the fee information, but the merchant will.

| **Currency**                     | **Payment Fee**  |
| -------------------------------- | ---------------- |
| USDC-G                           | 1% + 0.5 USDC-G  |
| sUSDC-G                          | 1% + 0.5 sUSDC-G |
| NGN-G                            | 1% + 100 NGN-G   |
| sNGN-G                           | 1% + 100 NGN-G   |
| BTC                              | N/A              |
| ETH & ERC-20 (USDC - USDT - CTC) | N/A              |

For Gluwacoin, the fee is almost fixed as above. The fee may increase if the Ethereum transaction fee [market price](https://ethgasstation.info/) gets unusually high.

Gluwa does not support Bitcoin, ETH, USDC, USDT, or CTC payments.


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