> For the complete documentation index, see [llms.txt](https://oyaapay.gitbook.io/oyaapay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://oyaapay.gitbook.io/oyaapay/faq/questions-and-answers.md).

# Questions & Answers

## **1. Getting started with OyaaPay**

Create your account and undergo KYC verification. our verification process is a standard practice in the financial sector, mandated by regulators worldwide. Typically completed in under 10 minutes.

## **2. Which countries and currencies does OyaaPay support?**

OyaaPay is available in 150+ countries and 40+ currencies. You can find a list of [all supported information in this article](https://oyaapay.com/payments.html).

## **3. How much does OyaaPay charge in fees?**

The fees we charge depend primarily on the payment or payout method you choose, and on the blockchain validation/mining costs at the time of the transaction.

* Service fee: 1%-3%
* Blockchain network fee: 1 USDT

## **4. How long does it take to pay with crypto?**

The total time required for cryptocurrency payments and receipts depends on the following factors: how long you take to transfer your crypto, how long until your transfer is processed and confirmed by the blockchain. In general, the transfer will be credited within 1 business day.

## **5. How does OyaaPay lock in exchange rates?**

The fees we charge depend primarily on the payment or payout method you choose, and on the blockchain validation/mining costs at the time of the transaction.

* Crypto currency: Encouraging the use of USDT or USDC, stablecoins pegged to the US dollar. The exchange rate between USDT and USD is always 1:1
* Fiat currency: The local bank's USD benchmark exchange rate—OyaaPay does not profit from this.