Tchotcho Pay review
Updated October 14, 2026 · VaultCue Editorial Team
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Our verdict
Tchotcho Pay converts USDC to Haitian gourdes for cash-out, and recipients need a Tchotcho Pay account.
Key facts
- Best for
- People sending USDC remittances for cash-out in Haiti.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currency conversion fee
- 0.5% to 1%↗
- Currencies
- 3↗
- Local account details
- Us-ACH↗
- Transfer fee
- 0.5% to Haiti wallets (min $0.50), 1% international, free between Tchotcho Pay users↗
- Legal entity
- Tchotcho Pay LLC↗
- Headquarters
- United States↗
- Founded
- 2025↗
- Support channels
- Email, Chat, Help-centre↗
- Audience
- Expats, Business
- Pricing model
- No monthly fee, Low FX fees
- Features
- No credit check
- Official website
- tchotchopay.com
Pros
Pros
- The recipient-account requirement is stated upfront.
Ready to try Tchotcho Pay?
Scored 8.6 / 10 by VaultCue.
Who it suits
- People sending USDC remittances for cash-out in Haiti.
Local
The captured wallet description says USDC is converted to HTG for cash-out. The recipient must create a Tchotcho Pay account.
How Tchotcho Pay compares
8.6 vs 8.7
8.6 vs 8.6
8.6 vs 8.0
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 9.2
8.6 vs 8.7
8.6 vs 8.7
8.6 vs 8.7
8.6 vs 9.0
8.6 vs 8.7
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.9- 8.6 vs 8.9
8.6 vs 8.7
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 8.2
8.6 vs 8.1- 8.6 vs 8.1
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 9.1
Where Tchotcho Pay is available
- Available
- Canada, France, Haiti, United States
- Licence in United States
- Financial Crimes Enforcement Network (FinCEN) - Money Services Business (MSB) registration, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does Tchotcho Pay charge a monthly fee?+
The monthly fee at Tchotcho Pay is $0. (Source, checked September 26, 2026)
What currency conversion fee does Tchotcho Pay charge?+
The currency conversion fee at Tchotcho Pay is 0.5% to 1%. (Source, checked September 26, 2026)
Which company operates Tchotcho Pay?+
Tchotcho Pay is operated by Tchotcho Pay LLC. (Source, checked September 26, 2026)
Where is Tchotcho Pay based?+
Tchotcho Pay is based in United States. (Source, checked September 26, 2026)
When was Tchotcho Pay founded?+
Tchotcho Pay was founded in 2025. (Source, checked September 26, 2026)
How can I contact Tchotcho Pay support?+
Tchotcho Pay offers support through Email, Chat, Help-centre. (Source, checked September 26, 2026)
Sources
- tchotchopay.com checked September 26, 2026
Backs: Features
“Instant activation - no credit check required”
- tchotchopay.com/about checked September 26, 2026
Backs: Audience, Founded
“Built for Haiti. Powered by the diaspora. ... full-featured business account for SMEs, importers, and NGOs”
- tchotchopay.com/app checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“No minimum balance, no lock-up period”
- tchotchopay.com/faq checked September 26, 2026
Backs: Currencies, Support channels
“You fund your account in USD (via card, ACH, or wire). Tchotcho Pay automatically converts to USDC (USD Coin) ... USDC is converted to HTG (Haitian gourdes)”
- tchotchopay.com/pricing checked September 26, 2026
Backs: Headline rate, Local account details, Pricing model, Monthly fee, Transfer fee
“4.5% APY savings account”
- tchotchopay.com/terms checked September 26, 2026
Backs: Currency conversion fee, Headquarters, Legal entity
“FX conversion spread (USD <-> HTG): ~0.5-1%”
- tchotchopay.com/terms checked September 26, 2026
Backs: Deposit protection, Licences
Compiled from 7 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Licence type.