Most crypto payment gateways advertise a single number. What you actually lose on each order depends on three things: the gateway's own fee, payout or conversion fees, and, if your customers pay by card, who pays the card provider's fee. That last one is where most high-risk merchants get surprised.
Published fees, side by side
| Gateway | Gateway fee | Other costs they list | Holds your funds? | Card checkout |
|---|---|---|---|---|
| ePayVista | 1% | Small network gas reimbursement on payout. Card provider fee is paid by the buyer. | No. Funds go to your wallet | Yes (US cards) |
| PayGate.to | 1% | Card provider fee comes out of what you receive unless you raise prices | No. Funds go to your wallet | Yes |
| ShieldClimb | 1.5% | Card provider fee comes out of what you receive | No. Funds go to your wallet | Yes |
| NOWPayments | 0.5% (1% with conversion) | Network fees | Optional | Through partners |
| CoinGate | 1% | Payouts: €0.50 + 0.5% (1.5% with conversion) | Yes | Not listed |
| BitPay | 2% + $0.25 | Lower rates from $500k/month. States higher fees for high-risk | Yes | Not listed |
| CoinPayments | 3% | Plus a network fee per payment or batch | Yes | Not listed |
| Cryptomus | 2% default | Lower rates negotiated by business type | Yes | Not listed |
| OxaPay | 1.5% to 2% | Network fees with per-chain minimums | Yes | Not listed |
| Plisio | 0.5% (1.5% white-label) | Not published | Yes | Not listed |
| Blockonomics | 1% | Network fees | No | Not listed |
| BlockBee | 1% | Plus 0.5% on payouts | Not stated | Not listed |
| MoonPay Commerce | 2% (1% top tier) | +0.25% swaps, +0.5% fiat payout. 2% minimum for high-risk | No | Yes |
| Stripe stablecoins | 1.5% | Full business verification. High-risk categories restricted | Yes | Separate product |
| BTCPay Server | 0% | You run and pay for your own server | No (self-hosted) | No |
Fees checked on November 2, 2026 from each company's own published pricing, FAQ or API documentation. Rates change, so confirm on their site before you decide.
The fee that is not on the pricing page
Card-to-crypto gateways do not process cards themselves. A licensed card provider charges the card and delivers USDC, and that provider takes its own fee before the gateway takes 1% or 1.5%. Card providers commonly charge a few percent plus a fixed minimum, so on smaller orders the provider can take far more than the gateway does.
With most card-to-crypto gateways that provider fee comes out of what you receive. One merchant who moved to ePayVista from a 1.5% card-to-crypto gateway was netting around 87 cents on the dollar on card orders.
ePayVista works the other way round. The card provider (Stripe or Coinbase) shows its fee to the buyer at checkout and the buyer pays it. Your cost is our 1% plus a small network gas reimbursement on each payout. On a $100 card order you keep about $99.
How to compare gateways honestly
- Ask who pays the card fee. If it comes out of your payout, add it to the headline rate.
- Check payout and conversion fees. A 1% gateway with a 0.5% payout fee costs 1.5%.
- Check custody. If the gateway holds your balance, it can freeze it. Non-custodial gateways forward funds to your own wallet.
- Check where your buyers are. ePayVista fully supports US merchants selling to US card holders. If most of your buyers are outside the US, a gateway with more regional card providers may convert better for you.
- Look for a high-risk surcharge. Several large gateways state that they charge high-risk merchants more. ePayVista charges every merchant the same 1%.