Trolley pricing has two important layers: the cost businesses pay for access to products such as Trolley Pay, and transaction-related costs that depend on how money is sent.
For recipients, there is a third consideration: Trolley allows merchants to decide whether certain payout costs are absorbed by the business, passed to recipients or split between the two.
That makes the question “What does Trolley charge?” more complicated than quoting one percentage.
Current Trolley Pay Subscription Pricing
As displayed on Trolley’s U.S.-denominated pricing page reviewed in August 2026, the Standard Pay product is listed at $2,399 per year, before transaction fees.
The Pay package includes features such as domestic and international bank transfers, wallets, checks, white-label onboarding, fee splitting and payment-approval workflows.
Trolley also offers Trolley Plus, whose enterprise-oriented pricing is handled through sales rather than a single public flat price.
Pricing can change, so buyers evaluating a contract should confirm the current official quote rather than treating an editorial article as permanent pricing documentation.
U.S. Transaction Fees
Trolley’s current USD pricing table lists method-specific charges.
At the time of review, examples include:
| Payout route | Current listed USD fee |
|---|---|
| Domestic ACH (USD) | $1.00 |
| EFT (CAD) | $1.00 |
| SEPA / FPS / NPP / BECS | $4.00 |
| IACH | $4.00 |
| Debit-card payout | 1.00%, $1.50 minimum |
| Wire with FX | $10.00 |
| USD wire without FX | $25.00 |
| PayPal platform fee | $0, with possible additional PayPal fees |
| Venmo | $1.50, with possible additional PayPal fees |
Trolley also lists a 2.00% currency-conversion margin on the current standard pricing table, while noting that volume discounts may reduce rates for qualifying customers.
These are merchant-facing published rates and should not be interpreted as a promise that every recipient will personally pay the amount shown.
Why Recipient Fees Can Differ
Trolley allows customers to configure who bears payout costs.
Depending on the merchant’s policy, the business can:
- absorb a payout fee;
- pass it to the recipient;
- split it;
- apply configuration around how much of certain faster-payout fees it will cover.
This means two businesses using the same Trolley payment route can offer different recipient experiences.
One company might cover an ACH fee completely.
Another might pass the fee through.
A third might cover a standard transfer but require recipients to pay the incremental cost if they choose a faster method.
Instant Payout Pricing
Trolley’s 2026 faster-payout structure uses percentage pricing for eligible card and wallet routes.
Current official information describes U.S. local debit-card and applicable wallet payouts beginning at 1% with a $1.50 minimum. International faster-payment options use a similar percentage model with larger route-specific minimums and potential FX costs.
The economic trade-off is intentional.
A traditional bank route can remain the lower-cost baseline while a recipient who values faster availability can choose an expedited option where supported.
The Difference Between Transaction Fees and FX
A payment can involve more than one cost component.
A transaction fee relates to the payout method or route.
An FX cost appears when currencies must be converted.
A business comparing payout platforms should therefore model the actual payment corridors it expects to use rather than comparing only the lowest advertised transaction fee.
For example, a company making almost entirely domestic USD ACH payouts has a different cost profile from a platform paying recipients in dozens of currencies.
Subscription Cost Is Also Only Part of the Platform Decision
Trolley’s product suite extends beyond Trolley Pay.
Its public pricing currently lists separate Standard pricing for products such as Tax, Trust and Sync, while Trolley Plus combines broader enterprise capabilities and discounts.
A company using Trolley only for payout automation should therefore not automatically compare its cost with a company implementing tax compliance, identity verification and ERP synchronization at the same time.
The functional scope is different.
What Businesses Should Calculate
Instead of asking only for the annual subscription price, a useful evaluation should estimate:
Annual platform cost
plus
number of payouts × route-specific transaction cost
plus
expected FX cost
plus
other selected Trolley products
minus or plus
the economic effect of any recipient fee-sharing policy.
The model should use the company’s actual payout mix.
A business sending 100,000 domestic transfers has different priorities from one sending a few thousand international royalty payments through several routes.
What Recipients Should Look At
Recipients generally do not need to calculate Trolley’s entire merchant pricing model.
The relevant question is simpler:
What will this specific payout method cost me before I choose it?
Where a merchant passes or shares a fee, Trolley’s newer instant-payout experience is designed to provide fee visibility to the recipient during the choice process.
If an unexpected amount is deducted, compare the payout information provided by your payer with the selected payout method before assuming that every difference is an unexplained Trolley charge.
Pricing Changes Faster Than Basic Product Concepts
This page intentionally separates durable explanations from current numbers.
The distinction between subscription, transaction and FX costs is likely to remain useful even when individual prices change.
The exact rates, however, should always be confirmed on Trolley’s current official pricing materials before a purchasing decision is made.