CryptoGateEnter your monthly sales and average order value to compare what you'd pay with credit cards (2.9% + 30¢), a typical custodial crypto gateway (~1%), and CryptoGate's flat monthly fee that takes 0% of your sales. Everything updates live.
Estimates use standard published rates and assume all volume runs through one method. Your actual card rate and order count may vary. CryptoGate fees are flat monthly — see the full pricing. Funds settle straight to your own wallet (non-custodial, no KYC).
Start accepting crypto →How crypto payment fees compare to card fees
Card processors charge a percentage of every sale — typically 2.9% plus a 30-cent fixed fee per transaction. That cost scales forever: the more you sell, the more you pay. Custodial crypto gateways like BitPay and Coinbase Commerce are cheaper at around 1%, but they still take a cut of every payment and usually require KYC.
CryptoGate uses a different model: a flat monthly fee and 0% of the sale. Payments settle directly to your own wallet (non-custodial), there are no chargebacks, and there's no identity verification to start. Past a few thousand dollars in monthly volume, a flat fee is almost always cheaper than any percentage — and the gap widens as you grow.
How this calculator works
We take your monthly sales volume and average order value to estimate your transaction count, then apply each provider's standard published rate. Card cost = 2.9% of volume + 30¢ per transaction. The 1% gateway cost = 1% of volume. CryptoGate = the flat plan fee you selected, regardless of how much you sell.
Frequently asked questions
How much are crypto payment fees vs credit card fees?
Credit card processing usually costs 2.9% plus 30 cents per transaction. Custodial crypto gateways charge about 1% per transaction. CryptoGate charges a flat monthly fee and takes 0% of the sale, so for most merchants above a few thousand dollars a month it is cheaper than both.
Is there a crypto payment gateway with no percentage fee?
Yes. CryptoGate charges a flat monthly fee instead of a percentage of each sale, so your cost does not grow as your revenue grows. Funds settle directly to your own wallet.
Do crypto payments have chargebacks?
No. Once a crypto payment is confirmed on-chain it cannot be reversed, which removes chargeback fraud and the associated dispute fees that come with card payments.
Do I need KYC to accept crypto payments?
Not with CryptoGate. You can sign up with an email, connect a wallet, and start accepting Bitcoin, Ethereum, and stablecoins without identity verification.