Free under $10. No monthly fee.
Every payment under $10 costs nothing, however many you take. Above that, a flat 1% — no setup fee, no monthly charge, no minimum, and nothing held back in reserve.
Pay as you go
$0on every payment under $10
then 1% per payment over $10
Start free. Small payments cost nothing at all, and larger ones are charged a flat 1% with no monthly fee attached to it.
- No fee on payments under $10 — however many you take
- 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
- Email support
Enterprise
CustomVolume pricing
For merchants doing serious monthly volume, or who need terms, settlement or support arrangements that the standard plan does not cover.
- Negotiated rate below the standard percentage
- Custom settlement and hold arrangements
- Named contact and priority support
- 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 | Free | ~$0.45 (2.9% + $0.30) |
| Fee on a $100 payment | 1% | ~$3.20 |
| Monthly fee | None | Often $0–$25 |
| Chargebacks | Not possible | Yes, plus a $15–$25 fee each |
| Time until you have the money | Minutes | 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?
Payments under $10 are free, with no fee at all however many you take, and larger payments are charged a flat 1% 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?
On the standard setup, your customer’s payment goes straight from them to a blockchain address that you own — paygate never takes possession of it.
We watch the chain and tell you the money arrived; we are not standing between you and it. There is a second, optional setup used for subscriptions and for refundable products, where funds rest briefly in an escrow contract before being released to you. Which one applies to your account is stated plainly in our terms.
Start taking payments
No card reader, no merchant account, no contract.