Contractor fees

Every fee on a contractor payout, by payout method

This page lists the fees a contractor can meet when they are paid through Toku. For each payout method it shows who pays, how the amount is set and where it comes from. Toku applies a 0.5% fee when it converts between fiat and a stablecoin, and no fee on a payout received in stablecoins. Prop trader payouts have their own charge, listed in their section.

Fees from your own bank, wallet provider or card network are outside Toku's control and are not listed as Toku fees.

Reviewed 12 November 2026.

The Toku tile at the centre of contractor and contributor profiles

What Toku does not deduct from a contractor today

On a bank or stablecoin payout, these three things are not deducted from a contractor's invoice amount. The 0.5% fee Toku applies when it converts between fiat and a stablecoin is listed in the tables below.

  • Transfer and SWIFT charges

    On a bank payout, the transfer and SWIFT charges are paid on the payer side. A payout cannot be set up so that the contractor pays them or shares them, so they never reduce the invoice amount.

  • A markup on the exchange rate

    Toku does not configure an exchange-rate markup on contractor invoice payouts. The rate stored for a payout is the mid-market rate from XE, or from CoinMarketCap for volatile tokens. Prop trader payouts are the exception: a prop firm can set a conversion charge, listed below.

  • A fee on a stablecoin payout

    On a stablecoin payout to the contractor's own wallet, Toku does not deduct a fee. The network fee on the payout is paid from the paying organisation's wallet or custody key.

These statements describe how Toku's payment system works. They do not cover charges from your own bank, wallet provider, card issuer or a network, and they do not cover Toku's fees to the client.

Fees by payout method

Each table lists the fees for one method. The last column says where the amount is set.

Bank transfer on local rails

A payout into the contractor's bank account over the local payment system of the bank's country. Local rails reach 70 countries in 46 currencies.

Fees for bank transfer on local rails
Transfer charge deducted from the invoice amountNot chargedNone. The transfer charge does not reduce the invoice amount.Toku payout rules
Transfer charge from the payout provider (Airwallex)Paying organisationPaid on the payer side. This is Toku on Toku-funded payouts, and the client when it pays from its own payout account.Toku payout rules
On-ramp or off-ramp feeNot stated0.5% when Toku converts between fiat and a stablecoin. There is no fee on a payout received in stablecoins.A flat rate set by Toku
Toku management feeClientA flat amount or a percentage per contractor, set in the client's agreement with Toku.Client agreement with Toku
Toku FX feeClientA percentage set for each client, applied when a conversion between two fiat currencies is needed.Client agreement with Toku
Toku conversion feeClientA percentage set for each client, applied when money moves between fiat and stablecoin.Client agreement with Toku
Exchange rate
When the payout currency differs from the invoice currency, the rate is the XE mid-market rate. Toku does not configure a markup on it for invoice payouts.
Estimated arrival
Toku estimates 0 to 2 business days. The estimate leaves out weekends but not bank holidays. These are Toku's estimates, not promises from the payout provider.
Outside Toku’s control
Your receiving bank may still deduct its own charges or apply its own exchange rate. Toku does not control these and cannot show them.Cut-off times and public holidays at the banks involved can add days.

Bank transfer by SWIFT

A payout into the contractor's bank account over the SWIFT network, used when the currency is not paid on a local rail. SWIFT covers 35 major currencies, and each SWIFT corridor is approved individually before it is used.

Fees for bank transfer by swift
SWIFT charge deducted from the invoice amountNot chargedNone. The SWIFT charge does not reduce the invoice amount.Toku payout rules
SWIFT charge from the payout provider (Airwallex)Paying organisationPaid on the payer side, with the SWIFT charge option set to payer. This is Toku on Toku-funded payouts, and the client when it pays from its own payout account.Toku payout rules
On-ramp or off-ramp feeNot stated0.5% when Toku converts between fiat and a stablecoin. There is no fee on a payout received in stablecoins.A flat rate set by Toku
Toku management feeClientA flat amount or a percentage per contractor, set in the client's agreement with Toku.Client agreement with Toku
Toku FX feeClientA percentage set for each client, applied when a conversion between two fiat currencies is needed.Client agreement with Toku
Toku conversion feeClientA percentage set for each client, applied when money moves between fiat and stablecoin.Client agreement with Toku
Exchange rate
When the payout currency differs from the invoice currency, the rate is the XE mid-market rate. Toku does not configure a markup on it for invoice payouts.
Estimated arrival
Toku estimates 1 to 5 business days. The estimate leaves out weekends but not bank holidays. These are Toku's estimates, not promises from the payout provider.
Outside Toku’s control
Your receiving bank may still deduct its own charges or apply its own exchange rate. Toku does not control these and cannot show them.Cut-off times and public holidays at the banks involved can add days.

Stablecoin to the contractor's own wallet

A payout in a stablecoin to a wallet the contractor controls. The networks and tokens available depend on what the paying client has enabled. Networks Toku lists include Ethereum, Polygon, Avalanche, Solana, Monad and Scroll.

Fees for stablecoin to the contractor's own wallet
Fee deducted from the amount sentNot chargedNone. Toku does not deduct a fee from the amount sent to the wallet.Toku payout rules
Network fee on the payoutPaying organisationPaid from the paying organisation's wallet or custody key, not deducted from the contractor's amount.The network, paid by the payer
Toku management feeClientA flat amount or a percentage per contractor, set in the client's agreement with Toku.Client agreement with Toku
Toku conversion feeClientA percentage set for each client, applied when money moves between fiat and stablecoin.Client agreement with Toku
Exchange rate
An invoice paid in the same stablecoin needs no currency conversion. When a conversion is needed, the rate is the mid-market rate: XE for fiat currencies, and CoinMarketCap for volatile tokens. Toku does not configure a markup on it for invoice payouts.
Estimated arrival
Once Toku has sent the payout, USDC was final in about 0.2 seconds on Solana and 2.5 seconds on Polygon (medians, measured 4 November 2026). This leaves out Toku's own processing before the send, and other networks take longer.
Outside Toku’s control
Fees from any exchange, bank or wallet provider you use after you receive the funds.Network conditions, which change how long a transfer takes to confirm.

Sending funds out of a Toku wallet

A transfer by the contractor from the embedded wallet Toku provides to another address. The fee depends on how the transfer is sent.

Fees for sending funds out of a toku wallet
Direct transferContractorThe network fee, paid in the chain's native coin from the wallet.The network
Gasless transferContractorA gas fee in the token, deducted from the transfer amount. The fee is shown before you confirm.Estimated for each transfer
Transfer under a company sponsorship policyClientNo fee to the contractor when the company has a sponsorship policy. The company covers the gas.The company's sponsorship policy
Withdrawal from an earn balance (Paxos or Morpho)ContractorGas varies, and it is shown as variable.The network
Exchange rate
Not applicable. A transfer sends the same token.
Estimated arrival
Depends on the network. Toku does not give an estimate for a transfer you send yourself.
Outside Toku’s control
The network sets the fee and the confirmation time.

Rain Visa card

A Visa card issued through Rain that spends the contractor's balance. Card fees are set by the card terms, not by this page. The terms for the US and for other countries differ, so read the terms shown for your card.

Fees for rain visa card
Foreign exchange fee on non-USD purchasesContractorUp to 3%, in the international card terms.Card terms (international)
Cross-border feeContractorUp to 3%, in the international card terms.Card terms (international)
Late paymentContractorUp to $40, in the international card terms.Card terms (international)
Returned paymentContractorUp to $29, in the international card terms.Card terms (international)
International transaction fee under the US card termsContractor1% of each transaction in US dollars, in the US card terms.Card terms (US)
Late payment under the US card termsContractor2% of the current outstanding balance, in the US card terms.Card terms (US)
Annual, cash advance and returned payment fees under the US card termsNot chargedNone. The US card terms list no annual fee, no cash advance fee and no returned payment fee.Card terms (US)
Exchange rate
The card terms set the foreign exchange fee on purchases in a currency other than USD.
Estimated arrival
Not applicable. The card spends a balance, so there is no payout to wait for.
Outside Toku’s control
The card issuer and the card network set the card's terms and fees.

Prop trader payouts

Payouts from a prop firm to a funded trader, to a bank account by local transfer in the account's currency or to a wallet. The firm imports the payout in its own currency.

Fees for prop trader payouts
Conversion charge when the payout currency differsContractorSet for each prop firm, from 0 to 500 basis points taken off the XE mid-market rate. The trader pays it, and the trader is told about it when picking a payout destination.The prop firm's settings with Toku
Transfer and network chargesPaying organisationAs in the bank transfer and stablecoin sections above.Toku payout rules
Exchange rate
A payout in a different currency than the one the firm imported is converted at the XE mid-market rate less the firm's conversion charge. With no charge set, it is the mid-market rate.
Estimated arrival
Toku estimates 0 to 2 business days for a local bank transfer. The estimate leaves out weekends but not bank holidays. These are Toku's estimates, not promises from the payout provider.
Outside Toku’s control
Your receiving bank may still deduct its own charges or apply its own exchange rate. Toku does not control these and cannot show them.

Fees Toku bills to the client

Toku's management fee, FX fee and conversion fee are billed to the client on the invoice Toku sends the client. They are not taken from the contractor's payment. Each amount is set in the client's agreement with Toku, so this page does not list a price for them.

Fees Toku bills to the client
Toku management feeClientA flat amount or a percentage per contractor, set in the client's agreement with Toku.Client agreement with Toku
Toku FX feeClientA percentage set for each client, applied when a conversion between two fiat currencies is needed.Client agreement with Toku
Toku conversion feeClientA percentage set for each client, applied when money moves between fiat and stablecoin.Client agreement with Toku

List prices per worker are on the pricing page. See pricing.

Frequently Asked Questions

The 0.5% fee applies only when Toku converts between fiat and a stablecoin, and there is no fee on a payout received in stablecoins. The transfer and SWIFT charges on a bank payout are paid on the payer side and never reduce the invoice amount. Toku's management fee, FX fee and conversion fee are billed to the client and set in the client's agreement with Toku.
The fee is 0.5%, and it applies only when Toku converts between fiat and a stablecoin. A payout received in stablecoins carries no such fee.
The paying side does. A payout cannot be set up so that the contractor pays or shares the transfer or SWIFT charge. Your receiving bank may still deduct its own charges, and Toku does not control those.
The rate stored for an invoice payout is the XE mid-market rate, or a CoinMarketCap price for volatile tokens. Toku does not configure a markup on it for invoice payouts. Prop trader payouts are the exception: a prop firm can set a conversion charge from 0 to 500 basis points.
Toku estimates 0 to 2 business days on local rails and 1 to 5 business days by SWIFT. The estimates leave out weekends but not bank holidays, and they are Toku's estimates, not promises from the payout provider.
A direct transfer costs the network fee in the chain's native coin, paid from the wallet. A gasless transfer deducts a gas fee in the token from the transfer amount. If the company has a sponsorship policy, there is no fee to the contractor.
The card terms set them. The international card terms list a foreign exchange fee of up to 3% on non-USD purchases, a cross-border fee of up to 3%, a late payment fee of up to $40 and a returned payment fee of up to $29. The US card terms list a fee of 1% of each transaction in US dollars and a late payment fee of 2% of the current outstanding balance, with no annual fee, cash advance fee or returned payment fee. Read the terms shown for your card.
The client does. Toku bills its management fee, FX fee and conversion fee to the client, and each is set in the client's agreement. For list prices per worker, see the pricing page.

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