The Plisio alternative where the wallet is yours
Plisio keeps your payments in its own wallets until you withdraw them. 402pay sends every payment straight to a wallet only you control, and accepts cards in the same checkout.
- 0%
- of every crypto payment, against 0.5% with Plisio
- Your wallet
- not Plisio's account
- Cards + crypto
- in one checkout, into one wallet
Plisio at a glance
Plisio is a crypto gateway with a 0.5% fee, no identity checks to sign up, and plugins for common store platforms.
It holds merchant funds itself, 90% of them in its own cold wallets, until you withdraw, and withdrawing a token needs the network's own coin in your Plisio balance to cover the fee. Keeping customers on your own site with its white-label checkout costs 1.5%, and it doesn't take cards.
Why businesses switch from Plisio
The reasons businesses give for leaving Plisio come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
Your money in Plisio's wallets
Plisio holds merchant funds itself, 90% of them in its own cold wallets, until you withdraw.
Gas just to get paid
To withdraw a token like USDT on Tron, you first need the network's own coin in your Plisio balance to cover the fee.
Triple the rate to keep customers on your site
Its white-label checkout costs 1.5%, three times the standard 0.5%.
No cards
Plisio's own guide suggests adding a separate card processor alongside it.
402pay vs Plisio, side by side
- Percentage of every crypto payment
402pay
0%Plisio
0.5%, 1.5% for white-label checkout- Payments go straight to your own wallet
402pay
AlwaysPlisio
No- Money is yours the moment it confirms
402pay
InstantlyPlisio
After a withdrawal- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaPlisio
No- USDT on Tron
402pay
YesPlisio
Yes- Nothing to host or maintain
402pay
Fully hostedPlisio
Yes- Open beyond the US
402pay
YesPlisio
Yes- Available today
402pay
YesPlisio
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Plisio
28 coin and network pairs
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Plisio would take out at its list price.
Plisio would take out of your payments every month
$100
That's $1,200 a year. 402pay takes out nothing.
- Plisio
- $100.00
- 402pay
- $0.00
The bottom line
Plisio keeps your money in its own wallets until you withdraw it, and asks you to hold gas just to do that. 402pay sends every payment straight to a wallet only you control, accepts cards in the same checkout, and never makes you top up a balance to reach your own revenue.
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 Plisio
- Who holds the money
- Payments are held in your Plisio balance, mostly in its cold wallets
- When it's yours
- When you withdraw
- What it costs
- 0.5%, 1.5% for white-label checkout
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 Plisio 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 Plisio, 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
Plisio details from Plisio pricing, Plisio security, Plisio withdrawals, Plisio currencies. Names and logos belong to their owners and are shown to identify them.