Every way a participant can be paid today. Where it says your own account, the buyer pays you directly and GRAJ holds no account with that provider — whatever it charges is between you and it.
You're paid through Stripe from the buyer's money, once it has arrived and the order is delivered. GRAJ never advances money, so nobody is ever asked to pay it back.
GRAJ sends what you have earned to your Stripe balance as soon as the money has arrived and the order is delivered (for work, once it is confirmed). Stripe then pays your balance to your bank on the schedule you choose: daily, or weekly for fewer bank transfers. No instant payouts.
Card
Through GRAJ
2.9% + 30¢ domestic; +1.5% for a card issued abroad; +1% if the currency is converted. Recovered at cost and disclosed before anybody commits — GRAJ keeps none of it.
Stablecoin (USDC)
Through GRAJ
Network fee only — cents on most networks. No card fee, no currency conversion, and it settles cross-border without the 5.4% a foreign card costs today.
Bank transfer / wire
Through GRAJ
Whatever the banks charge, paid by whoever their agreement says pays it. Nothing flows through GRAJ, so GRAJ prices nothing.
UPI
Into your own account · INR
Free to near-free for the payee on most Indian PSPs — and whatever it is, their provider charges them, not GRAJ. GRAJ recovers nothing because GRAJ pays nothing.
PIX
Into your own account · BRL
Free between individuals in Brazil; a business account pays whatever their own bank or PSP charges them. Not a cost GRAJ pays, so not a cost GRAJ recovers.
M-Pesa
Into your own account · KES, TZS, GHS, MZN, EGP
Safaricom's own tariff on the participant's till or paybill, charged to them. GRAJ has no shortcode and is billed nothing.
SEPA credit transfer (euro)
Into your own account · EUR
Whatever the participant's own bank charges for a SEPA credit transfer — commonly nothing within the euro area. GRAJ holds no European account and is billed nothing.
UK Faster Payments / Bacs
Into your own account · GBP
Whatever the participant's own bank charges them to receive a payment — many UK business accounts charge per payment in. GRAJ holds no UK account and is billed nothing.
Danish bank transfer (reg. nr. + konto)
Into your own account · DKK
Whatever the participant's own Danish bank charges them — commonly nothing for an incoming domestic transfer. GRAJ holds no Danish account and is billed nothing.
Bankgiro / Swedish bank account
Into your own account · SEK
Whatever the participant's own bank charges them for a Bankgiro number or an incoming transfer. GRAJ holds no Swedish account and is billed nothing.
Canadian EFT (direct deposit)
Into your own account · CAD
Whatever the participant's own Canadian bank charges them to receive an EFT — commonly nothing. GRAJ holds no Canadian account and is billed nothing.
Interac e-Transfer (Autodeposit)
Into your own account · CAD
Whatever the participant's own Canadian bank charges them to receive an e-Transfer — commonly nothing. GRAJ holds no Interac or Canadian bank account and is billed nothing.
US ACH bank transfer (to your own account)
Into your own account · USD
Whatever the participant's own US bank charges them to receive an ACH credit — commonly nothing. GRAJ holds no account in the path and is billed nothing.
PayNow
Into your own account · SGD
Free to the payee on every Singapore retail bank. Their bank, their terms — GRAJ holds no Singapore account and is billed nothing.
QRIS
Into your own account · IDR
Bank Indonesia's MDR on the participant's own QRIS merchant account, charged to them by their own acquirer. Not a cost GRAJ pays, so not a cost GRAJ recovers.
DuitNow
Into your own account · MYR
Free to near-free for the payee on Malaysian retail accounts, charged by their own bank. GRAJ holds no Malaysian account and is billed nothing.
InstaPay / QR Ph
Into your own account · PHP
Whatever the participant's own Philippine bank or e-money issuer charges them. GRAJ holds no Philippine account and is billed nothing.
PromptPay
Into your own account · THB
Free to the payee for everyday amounts on Thai retail accounts, charged by their own bank. GRAJ holds no Thai account and is billed nothing.
NIP bank transfer (Nigeria)
Into your own account · NGN
Whatever their own Nigerian banks charge the participants for a transfer (the CBN caps it). Nothing to the payee, and GRAJ holds no Nigerian account and is billed nothing.
MTN Mobile Money (MoMo)
Into your own account · GHS
Whatever MTN charges the participant on their own account — charged to them, not GRAJ. GRAJ holds no account with MTN and is billed nothing.
Airtel Money
Into your own account · KES, TZS
Whatever Airtel charges the participant on their own account — charged to them, not GRAJ. GRAJ holds no account with Airtel and is billed nothing.
EcoCash
Into your own account · USD
Whatever EcoCash charges the participant on their own account — charged to them, not GRAJ. GRAJ holds no account with EcoCash and is billed nothing.
InstaPay Egypt
Into your own account · EGP
Whatever the participant's own Egyptian bank charges them — commonly nothing to receive. GRAJ holds no Egyptian account and is billed nothing.
Something else
Through GRAJ
