Last update: 21 May 2026
OSL Pay obtains the base price of a Crypto-Asset using reputable, independent third-party pricing providers and then adds a spread to quote you a price to buy or sell the Crypto-Asset.
There are two types of fees OSL Pay may charge when processing your transaction:
The network fee covers the costs associated with the transfer of a Crypto-Asset and is determined based on the network fee OSL Pay has previously paid on recent transactions on that blockchain. The amount of the network fee will be shown to you as a line item fee and will be identified as the "Network fee".
The Ramp fee covers a number of costs, such as payment processing and chargeback costs.
| Order Type | Payment Method | Network Fee | Ramp Fee |
|---|---|---|---|
| BUY | Cards & Apple Pay & Google Pay | Market price | 1.8% |
| SELL | Cards | Market price | 1.8% |
Fees apply to fiat deposits and withdrawals, including charges from our payment partners.
| Type | Fee Rate |
|---|---|
| Deposit | 0-4% |
| Withdraw | 0-0.5% , some have a fixed fee of approximately 0-40 local fiat currency. |
We may include a spread in the asset price shown to you during your transaction. The total spread applied to your transaction will depend on multiple factors, including:
The total spreads that will be applied to your transaction are calculated by adding:
| Order Type | Channel Spread | Liquidity Spread | FX Risk Spread | Buffer |
|---|---|---|---|---|
| BUY | Typical: 0.5-5% | Typical: 0.1-0.15% | Typical: 0-1.2% | Typical: 0-0.2% |
| SELL | Typical: 0.5-5% | Typical: 0.1-0.15% | Typical: 0-1.2% | Typical: 0-0.2% |
For example, if you purchase €1,000 of Litecoin using Creditcard and
then the total spread would be approximately 4.5%.
It's important to note that your bank or financial institution may have their own fees for transactions. These fees are beyond our control, so please check with your bank or financial institution before placing your order if you are unsure.
OSL Pay incurs several costs when processing your buy or sell transactions. These include network costs, which are the blockchain gas fees associated with buying, sending, or transferring crypto-assets. We also incur costs associated with processing card, ApplePay and GooglePay transactions. Partner fees, which are costs paid to affiliates, are another factor. Additionally, order completion costs are incurred, representing payments to liquidity providers arising from the purchase or sale of a crypto-asset. Incomplete transaction costs cover processing and withdrawal fees in some non-completed transactions, and chargeback costs relate to fraud-related refunds and processing expenses. Finally, sweeping costs are the processing and settlement costs incurred between payment channels and us, including the balancing of crypto-assets between internal wallets, and are categorized as channel-related costs.
In addition to these identified costs, we also incur a number of transaction-related expenses necessary to ensure you receive a seamless experience when buying or selling your crypto. Finally, sweeping costs are the processing and settlement costs incurred between payment channels and us, including the balancing of crypto-assets between internal wallets, and are categorized as channel-related costs. These include costs related to satisfying KYC obligations, fraud prevention, blockchain analysis, our technological crypto infrastructure, transaction monitoring, mitigation of foreign exchange fluctuation risks, and slippage fees incurred to facilitate a faster purchase experience.
For Buy transactions, the final amount of Crypto-Assets you will receive is always clearly displayed on the final page of the checkout process, right before you make your payment.
For Sell transactions, the final amount of fiat currency you will receive is always clearly displayed on the final page of the checkout process, right before you send your coins.
Note that in certain circumstances, including where the price of a Crypto-Asset fluctuates significantly between the time you place your order and the time we receive your payment, we may be unable to execute the transaction at the quoted price. In such cases, the quoted price will be refreshed and you will be required to reconfirm the transaction at the updated price. If you do not accept the updated price, the transaction will not proceed and the order will be cancelled.
