Short version: PayGate.to and ePayVista both charge 1%, both forward funds straight to your own wallet, and neither runs an application. The difference is the card fee. With PayGate.to the card provider's fee comes out of the USDC that reaches you. With ePayVista the buyer pays it at checkout, so your payout is the order total minus 1%.
PayGate.to vs ePayVista at a glance
| ePayVista | PayGate.to | |
|---|---|---|
| Gateway fee | 1% | 1% (its FAQ says less than 1%; its API docs set it at 1%) |
| Card provider fee | Paid by the buyer at checkout | Comes out of the USDC you receive unless you raise the order amount |
| Card providers | Stripe (card, Apple Pay, Google Pay) and Coinbase | Around 20, including Stripe, Revolut, MoonPay, Transak, Banxa |
| Card minimum | $5 | $1 to $30 depending on provider |
| Card buyers outside the US | Not guaranteed (Coinbase or crypto recommended) | Wider regional options |
| Settlement | USDC on Base for card orders. USDC or USDT on Base, Polygon or Ethereum for crypto | USDC on Polygon |
| Custody | Non-custodial, forwarded to your wallet | Non-custodial, forwarded to your wallet |
| Application or KYC | None | None |
| Integrations | WooCommerce plugin, payment links, REST API with signed webhooks | WooCommerce and other plugins, payment links, API |
| Support | Email the person who runs the system | Telegram |
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.
Where the money actually goes on a card order
On a card-to-crypto gateway, three parties take a cut: the card provider, the gateway and the blockchain. PayGate.to's FAQ is open about this: its own fee is small and "the rest is charged by the licensed payment provider". Its API documentation says merchants who want to cover that fee should pass a bigger amount. In practice most stores do not change their prices, so the provider fee comes out of their margin.
ePayVista keeps the provider fee on the buyer's side. Stripe and Coinbase show it at checkout and the buyer pays it on top of the order. You receive the order amount minus our 1% and a small network gas reimbursement.
Where PayGate.to is the better fit
Being honest here saves you a wasted install:
- Most of your card buyers are outside the US. PayGate.to lists more regional card providers. ePayVista fully supports US merchants selling to US card holders, and card payments elsewhere are not guaranteed.
- You sell a lot of orders under $5. Some PayGate.to providers accept smaller orders.
- You want everything on Polygon. ePayVista card orders settle on Base.
Where ePayVista is the better fit
- US customers paying by card. Stripe checkout with Apple Pay and Google Pay, which US buyers already trust.
- You want to keep your margin. The card fee is on the buyer's receipt, not deducted from your payout.
- You want a person to answer. Support comes from the person who built and runs the system.
Switching takes about five minutes
- Download the ePayVista plugin and activate it next to your current gateway.
- Paste the same wallet address you use today.
- Run a test order, then turn the old gateway off when you are happy. You can keep both on while you compare.