Short answer: on a $100 stablecoin payment, 402pay costs $0.25. Stripe and PayPal charge $1.50. BitPay charges $2.25. A US card would have cost you $3.20.
- Cards (Stripe, US)$3.20
- CoinPayments$3.00
- BitPay$2.25
- Cryptomus$2.00
- Stripe stablecoins$1.50
- PayPal Pay with Crypto$1.50
- OxaPay$1.50
- Coinbase Business$1.00
- CoinGate$1.00
- NOWPayments$0.50
- Plisio$0.50
- Confirmo$0.50
- 402pay$0.25
The longer answer is more interesting, because the headline rate is only part of what a payment costs, and the bigger the order, the wider the gap gets.
The rate isn't the price
Every processor on that chart says it has low fees, and most pricing pages lead with a single rate. But what a payment really costs you is made of several things, and the rate is only the first of them.
| The rate | A percentage of each payment, sometimes with a fixed fee on top. |
|---|---|
| The payout | What it costs to move the money from the processor's balance to you, and how long it takes. |
| Conversion | The spread when crypto becomes dollars, or one coin becomes another. |
| The network | The fee to send the transfer, which the customer's wallet pays with every processor here. |
| Your plan | Any monthly charge. With 402pay, a self-custody wallet is $5.00 a month. |
Those pieces interact. A processor with a low rate and a slow, expensive payout can easily cost more than one with a higher rate and none, and a conversion spread can quietly double a headline fee. The chart above shows only the rate, so read it as the floor of what each processor costs, not the whole of it.
Where the gap gets wide
402pay takes no percentage on crypto payments, at an introductory rate, just a flat $0.25 on each one that succeeds. Every percentage processor charges more as your orders grow; we don't. On a $1,000 order, Stripe stablecoins take $15.00 and BitPay $20.25; 402pay still takes $0.25.
| Measure | 402pay | Stripe stablecoins | PayPal Pay with Crypto | Coinbase Business | BitPay | CoinGate | NOWPayments |
|---|---|---|---|---|---|---|---|
| $10 payment | $0.25 (2.5%) | $0.15 | $0.15 | $0.10 | $0.45 | $0.10 | $0.05 |
| $100 payment | $0.25 (0.25%) | $1.50 | $1.50 | $1.00 | $2.25 | $1.00 | $0.50 |
| $1,000 payment | $0.25 (0.03%) | $15.00 | $15.00 | $10.00 | $20.25 | $10.00 | $5.00 |
On a $10 order the flat fee works out to 2.5%, and that's where the next lever matters: with Customers pay the fees on (more below), your customer covers it, and the sale costs you nothing per payment.
Who's holding your money?
This is the question the fee tables skip. With most processors, your customer's payment lands in a balance the processor controls, then reaches you on its schedule. A balance someone else holds can be paused, reserved or held for review. A payment in your own wallet can't.
| Measure | Who holds it | When you can use it |
|---|---|---|
| 402pay | You, in your own wallet | When the network finalizes it |
| Stripe stablecoins | Stripe, as a USD balance | On your Stripe payout schedule |
| PayPal Pay with Crypto | PayPal, converted to USD | On PayPal's funding schedule |
| Coinbase Business | Coinbase, in your account | In your account; cash out by ACH or wire |
| BitPay | BitPay | Daily settlement; ACH arrives in 2 business days |
| CoinGate | CoinGate | Weekly; crypto payouts €0.50 + 0.5% |
| NOWPayments | Forwarded to your wallet by default | After forwarding, network fees twice |
| BTCPay Server | You, self-hosted | When the network confirms it |
| CoinPayments | Its custodial partners | When you sweep it out, with a network fee |
| Cryptomus | Cryptomus | When you withdraw; the store pays the network fee |
| OxaPay | OxaPay, unless auto-withdrawal is on | When you withdraw; 1 USDT on Tron |
| Plisio | Plisio, mostly in its cold wallets | When you withdraw |
| Confirmo | Confirmo | On your settlement schedule, above a minimum |
| Crypto.com Pay | Crypto.com, until settlement | On payout, from $100 or 0.01 BTC |
The cheapest payment is the one that's already yours.
The network's cut
Every transfer pays the network, and every processor here leaves that to the customer. It still matters to you: the network your customer picks decides how fast you can count the money.
| Measure | Typical fee to send | Final after |
|---|---|---|
| USDC on Solana | Under $0.01 | About 13 seconds |
| USDC on Polygon | Under $0.01 | 2 to 5 seconds |
| USDT on Tron | 6.5 to 13 TRX of energy | About a minute |
| USDC on Ethereum | A few cents at today's gas | 13 to 19 minutes |
| BTC on Bitcoin | Under $1 at today's rates | About an hour for 6 blocks |
402pay waits for each network's own finality before it counts a payment, and asks for more confirmations on Bitcoin as amounts grow, so a payment you're told about stays paid. It accepts USDC on Solana, Polygon, Ethereum; USDT on Solana, Tron, Ethereum; BTC on Bitcoin; ETH on Ethereum; SOL on Solana.
Who pays the fee
One more lever, and it changes the math more than any rate. With 402pay, you can turn on Customers pay the fees, and checkout adds the processing fee to the price. Your customer sees it before paying, and the full price you set is what lands in your wallet.
Network fees were always paid by the customer's wallet. With the processing fee passed on too, accepting a payment costs you the wallet plan and nothing per sale.
Whether to use it is a business decision more than a technical one. Some businesses fold the fee into their prices and never show it; others prefer to keep prices round and let checkout add the fee at the end. Either way, the choice is yours, and you can change it at any time in settings.
Which networks to offer
If you're deciding what to accept, start where your customers already are. Stablecoins on Solana or Polygon are fast and cost almost nothing to send, which makes them the easiest yes for small payments. USDT on Tron is one of the most widely used ways to hold and send dollars in crypto, so offering it reaches customers other checkouts miss.
| Solana and Polygon | Stablecoins for everyday payments: fast, and almost free to send. |
|---|---|
| Tron | USDT for customers who already hold their dollars there. |
| Ethereum | For customers whose funds sit there, and larger payments where the network fee matters less. |
| Bitcoin | For customers who hold bitcoin, and payments that can wait about an hour to settle. |
Ethereum and Bitcoin cost more to send and take longer to settle, but some customers hold nothing else, and a sale you can take slowly beats one you can't take at all. You can turn any coin or network on or off in settings, and checkout only offers what's on.
Compare one by one
A single table can only say so much. Each of these processors has its own page, with its fees, who holds the money, what its checkout offers and how to switch, side by side with 402pay:
- 402pay vs Coinbase Commerce
- 402pay vs BitPay
- 402pay vs NOWPayments
- 402pay vs CoinGate
- 402pay vs Stripe stablecoin payments
- 402pay vs PayPal Pay with Crypto
- 402pay vs BTCPay Server
- 402pay vs Cryptomus
- 402pay vs Heleket
- 402pay vs OxaPay
- 402pay vs CoinPayments
- 402pay vs Plisio
- 402pay vs Confirmo
- 402pay vs Crypto.com Pay
How we measured
We used each company's list price for accepting a crypto payment, for a US business on its standard plan, as published on October 2, 2026. We left out negotiated volume discounts and costs that depend on your setup, like bank wire fees. PayPal's own pages disagree on when its 0.99% promotion ends, so we used its standard rate; Coinbase shows current Business fees after sign-in, so its rate comes from its help center.
Each rate comes from the company's own pricing page:
- Stripe stablecoins: 1.5%.
- PayPal Pay with Crypto: 1.5%, 0.99% during a promotion.
- Coinbase Business: 1%, US and Singapore.
- BitPay: 2% + $0.25, under $500k a month.
- CoinGate: 1%, plus payout fees.
- NOWPayments: 0.5%, 1% with conversion.
- CoinPayments: 3%, its starting rate on coins.
- Cryptomus: 2%, for new accounts.
- OxaPay: 1.5%, on payment links and invoices.
- Plisio: 0.5%, 1.5% for white-label checkout.
- Confirmo: 0.5%, plus a spread of up to 1% to convert.
- Stripe cards: 2.9% + $0.30 for US cards, plus 1.5% for international cards.
- BTCPay Server: free and open source; you run and pay for the server.
The network figures come from each network's own documentation: USDC on Solana, USDC on Polygon, USDT on Tron, USDC on Ethereum and BTC on Bitcoin.
Prices change
Check each company's current page before you decide; promotions in particular end. If you spot a price that has moved, tell us and we'll update this post.
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