The Coinbase Commerce alternative that's still self-custody
Coinbase retired Commerce on March 31, 2026. 402pay keeps what merchants chose it for, payments straight to a wallet you control, and adds cards, more networks and zero percentage fees.
- 0%
- of every crypto payment, against 1% with Coinbase Commerce
- Your wallet
- not Coinbase Commerce's account
- Cards + crypto
- in one checkout, into one wallet
Coinbase Commerce at a glance
Coinbase Commerce was how many merchants first accepted crypto: a hosted checkout that paid into a wallet the merchant controlled, for 1% a payment. On March 31, 2026, Coinbase shut it down and moved merchants in the US and Singapore to Coinbase Business.
Coinbase Business works differently. Payments land in an account Coinbase holds, and you move them out from there. Merchants everywhere else were left without a Coinbase option at all, and neither product takes cards.
Why businesses switch from Coinbase Commerce
The reasons businesses give for leaving Coinbase Commerce come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
Commerce is gone
Coinbase shut the Commerce portal on March 31, 2026. Merchants outside the US and Singapore were left with no Coinbase option at all.
Your funds moved into Coinbase's hands
Coinbase Business is custodial: payments land in an account Coinbase controls, not a wallet you hold.
1% of every payment, forever
The fee scales with your revenue. On a $1,000 order you pay $10; 402pay takes no percentage at all.
Crypto only
Neither Commerce nor Business takes cards, so every customer without crypto walks away.
402pay vs Coinbase Commerce, side by side
- Percentage of every crypto payment
402pay
0%Coinbase Commerce
1%, now on Coinbase Business- Payments go straight to your own wallet
402pay
AlwaysCoinbase Commerce
Not any more- Money is yours the moment it confirms
402pay
InstantlyCoinbase Commerce
No- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaCoinbase Commerce
No- USDT on Tron
402pay
YesCoinbase Commerce
No- Nothing to host or maintain
402pay
Fully hostedCoinbase Commerce
Yes- Open beyond the US
402pay
YesCoinbase Commerce
US and Singapore only- Available today
402pay
YesCoinbase Commerce
Retired March 31, 2026- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Coinbase Commerce
Coinbase Business: Ethereum, Base, Polygon, Optimism, Arbitrum
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Coinbase Commerce would take out at its list price.
Coinbase Commerce would take out of your payments every month
$200
That's $2,400 a year. 402pay takes out nothing.
- Coinbase Commerce
- $200.00
- 402pay
- $0.00
The bottom line
Coinbase Commerce is gone, and what replaced it keeps your money in a Coinbase account and only serves businesses in the US and Singapore. If you chose Commerce because payments went straight to a wallet you control, 402pay is the closest thing to what you had, now with cards in the same checkout and no percentage on crypto.
With 402pay
- Who holds the money
- You, in a wallet only you hold the keys to
- When it's yours
- The moment the network confirms it
- What it costs
- 0% of a crypto payment
With Coinbase Commerce
- Who holds the money
- Its successor, Coinbase Business, holds your funds in a Coinbase account
- When it's yours
- When you move it out of your Coinbase Business account
- What it costs
- 1%, now on Coinbase Business
Here's what you can do in 30 minutes
Time is money, and with 402pay, it's yours from the very first payment.
- 5 mins
- Create your account
- Set up a self-custody wallet, or connect yours
- Pick the coins and networks checkout offers
- 15 mins
- Swap your Coinbase Commerce links for 402pay payment links
- Turn on cards, Apple Pay and Google Pay, in beta
- Let customers pay the fees, if you want
- 29 mins
- Create payments from your server with one API call
- Get a signed webhook for every payment
- Hand the setup prompt to your AI coding assistant
- No. Coinbase retired it on March 31, 2026 and moved merchants in the US and Singapore to Coinbase Business, a custodial account.
- No. Every payment goes straight to a wallet only you hold the keys to. 402pay never has your recovery phrase, so we can't freeze, hold or move your funds.
- 0% on crypto payments at an introductory rate and 3% on cards, and nothing is taken out of a payment. The pricing page lists every fee.
- Most businesses are accepting payments the same day: create an account, set up your wallet, and share a payment link or swap in one API call.
- Yes. Nothing ties you to one processor: send new orders through 402pay while anything open finishes on Coinbase Commerce, then switch over completely when you're ready.
- No. They pay on the hosted checkout by card, Apple Pay, Google Pay or from any crypto wallet, without signing up for anything.
- Yes. Connect it by its public keys and every payment goes there, for $15.00 a month.
More comparisons
Coinbase Commerce details from Coinbase: transitioning to Coinbase Business, Coinbase Business payment links. Names and logos belong to their owners and are shown to identify them.