---
title: "Pricing — a flat 2% per payment, no monthly fee | paygate"
description: "paygate pricing: a flat 2% per payment, the same rate at every size, no monthly fee and no setup fee. Enterprise rates for high volume."
source: "https://paygatehq.com/pricing"
---

# 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.

[Start free](https://app.paygatehq.com)

-    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

Custom Volume pricing

For high monthly volume, or for terms, settlement and support arrangements the standard plan does not cover.

[Talk to us](mailto:support@paygatehq.com?subject=paygate%20Enterprise%20enquiry)

-    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

Which networks

Pay as you go settles in USDT on BNB Smart Chain. Tron is available on enterprise accounts: the escrow contract has to be deployed on Tron for your account, which costs roughly 1,800 times what the same contract costs on BNB Smart Chain, so we do it for merchants who ask rather than for everyone in advance. Both networks run the same contract and the same integration — nothing in your code changes.

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

[The longer comparison](/vs-cards)

## 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.

No surprises on the rate

The rate above is what applies. If it ever changes, merchants are told before it starts applying to them, not after.

## Start taking payments

No card reader, no merchant account, no contract.

[Create a payment link — free](https://app.paygatehq.com)[Read the FAQ](/faq)