The OxaPay alternative without the withdrawal fees
OxaPay charges 1.5% at list price, then 1 USDT every time you withdraw on Tron. 402pay takes no percentage and puts every payment in your own wallet, so there's nothing to withdraw.
- 0%
- of every crypto payment, against 1.5% with OxaPay
- Your wallet
- not OxaPay's account
- Cards + crypto
- in one checkout, into one wallet
OxaPay at a glance
OxaPay offers payment links, invoices and store plugins, and advertises fees from 0.4%. Its list price is 1.5% for links and invoices and 2% for white-label checkout.
Payments land in an OxaPay balance unless you turn on automatic withdrawal, and each withdrawal of USDT on Tron costs 1 USDT. Its terms let it block a suspended account's assets, it doesn't take cards, and businesses registered in the United States can't use it.
Why businesses switch from OxaPay
The reasons businesses give for leaving OxaPay come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
1.5% at list price
Payment links and invoices cost 1.5%, white-label checkout 2%. The 0.4% in its ads takes negotiating. On a $1,000 order the list price is $15.
A fee to take your own money
Withdrawing USDT on Tron costs 1 USDT every time, on top of the processing fee.
Balances that can be blocked
Its terms say assets in your account may be temporarily blocked and unavailable for withdrawal while an account is suspended.
No cards
Crypto only, so customers who'd pay by card can't.
Not for US businesses
Its terms bar businesses registered in the United States.
402pay vs OxaPay, side by side
- Percentage of every crypto payment
402pay
0%OxaPay
1.5%, on payment links and invoices- Payments go straight to your own wallet
402pay
AlwaysOxaPay
Only by auto-withdrawal, through its balance- Money is yours the moment it confirms
402pay
InstantlyOxaPay
After a withdrawal- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaOxaPay
No- USDT on Tron
402pay
YesOxaPay
Yes- Nothing to host or maintain
402pay
Fully hostedOxaPay
Yes- Open beyond the US
402pay
YesOxaPay
Not for US businesses- Available today
402pay
YesOxaPay
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
OxaPay
18 coins
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what OxaPay would take out at its list price.
OxaPay would take out of your payments every month
$300
That's $3,600 a year. 402pay takes out nothing.
- OxaPay
- $300.00
- 402pay
- $0.00
The bottom line
OxaPay advertises 0.4%, but its list price is 1.5% for links and invoices, and every Tron withdrawal costs another 1 USDT. 402pay takes no percentage on crypto and has nothing to withdraw, because every payment is already in your own wallet.
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 OxaPay
- Who holds the money
- Payments are credited to your OxaPay balance unless you turn on auto-withdrawal
- When it's yours
- When you withdraw, for a fee per withdrawal
- What it costs
- 1.5%, on payment links and invoices
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 OxaPay 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. 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 OxaPay, 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
OxaPay details from OxaPay pricing, OxaPay terms, OxaPay invoice API, OxaPay currencies. Names and logos belong to their owners and are shown to identify them.