A flat 2%. No monthly fee.
The same rate on every payment, whatever its size — no setup fee, no monthly charge, no minimum, and nothing held back in reserve.
Pay as you go
2%per payment, whatever the size
A flat 2% of each payment, with no monthly fee attached to it and nothing that changes the rate as you grow.
- A flat 2% per payment — the same rate at every size
- USDT on BNB Smart Chain (BEP20)
- No monthly fee, no setup fee, no minimum
- Unlimited payment links and invoices
- Recurring billing and subscriptions included
- Hosted checkout page, refunds, and a full ledger
- You set the refund window — none at all, or up to 180 days — so when the money is yours is your call
- Email support
Enterprise
CustomVolume pricing
For high monthly volume, or for terms, settlement and support arrangements the standard plan does not cover.
- Everything in Pay as you go
- USDT on Tron (TRC20) as well as BNB Smart Chain
- Negotiated rate below the standard percentage
- Custom settlement and hold arrangements, changeable after enrolment
- Named contact and priority support
- Service level agreement on request
- Onboarding help for your integration
- Invoicing and contract terms
Blockchain network fees are separate and are not ours — they go to the network, typically a few cents on BNB Smart Chain or Tron.
Compared with taking cards
Card figures are the typical published rates for online card processing, not any one provider's.
| paygate | Typical card processing | |
|---|---|---|
| Fee on a $5 payment | $0.10 | ~$0.45 (2.9% + $0.30) |
| Fee on a $100 payment | $2.00 | ~$3.20 |
| Monthly fee | None | Often $0–$25 |
| Chargebacks | Not possible | Yes, plus a $15–$25 fee each |
| Time until the payment is final | Minutes | Reversible for months |
| Time until it reaches your wallet | Your choice — instantly, or up to 180 days | 2–7 days |
| Held back in reserve | None | Common for new merchants |
| Cross-border surcharge | None | 1–2% plus conversion margin |
| Customer needs | A crypto wallet | A card |
Everything is in every plan
There is no feature held back for a higher tier. Enterprise buys a rate and a contact, not a longer feature list.
Payment links and invoices
Unlimited, created from the dashboard or the API, with your branding on the checkout page.
Subscriptions and recurring
Trials, usage-based charges, discount codes and automatic retries, all included.
The full record
Every payment, refund and fee in a double-entry ledger you can export and reconcile.
About the price
How much does paygate cost?
Every payment is charged a flat 2%, the same rate at every size, with no monthly fee, setup fee or minimum.
Blockchain network fees are separate and are not ours — they go to the network and are typically a few cents. Merchants doing high volume can ask about Enterprise pricing.
Is accepting USDT cheaper than accepting cards?
Usually, yes — card processing typically costs around 2.9% plus a fixed fee per transaction, plus chargeback fees, currency conversion margins and monthly gateway charges that stablecoin payments do not have.
The gap widens on cross-border sales, where card networks add foreign transaction costs and banks add a conversion spread. It widens again on small payments, where a fixed per-transaction fee is a large share of the total.
Where does the money go? Do you hold my funds?
Your customer pays a deposit address belonging to that one payment. The money is swept into our escrow contract, held for your refund window, and then released to the payout wallet you registered. You choose that window — anything from none at all to 180 days.
It never reaches an account of ours, and that is a property of the contract rather than a policy we keep. There are exactly two ways out of it — release to your payout address, and refund to the payer who sent it — and neither takes a destination as a parameter. There is no address either function could be pointed at, by anyone, including us.
What the hold buys you is the refund window. Money already in your wallet can only be given back by you sending it; money on the contract can be returned to your customer from your dashboard while the window is open.
Start taking payments
No card reader, no merchant account, no contract.