Crypto Payment Gateway Fees: The All-In Bill

If you are searching crypto payment gateway fees, you already know the marketing line: a single percentage on a pricing page.

That number is almost never the bill.

Quick answer: the all-in is headline % + conversion + payout + network hops + custody. A 0% or 0.5% checkout can still cost more than a 1% or 2% processor once you convert, withdraw, and pay the chain — or less, if you never buy those layers. This page is a checklist plus dated official cells (2026-08-27). It is not a “who is cheapest” ranking. We do not invent unpublished rates. Where two official pages disagree, both are quoted.

FinCobra Checkout is in the set only if you want wallet settlement at Free Start $1,000 then 0.5% PAYG and you will not need fiat to a bank. We have no payout product, no Lightning, and no Shopify.

The five layers (check these first)

Add every layer you actually buy. Skip any layer the product does not sell.

1. Headline %. The processing / service fee on the pricing page. Volume tiers, “starting at,” and plugin examples often disagree with that page — treat the pricing URL as the cell, and flag the stale listing.
2. Conversion. Customer pays coin A, you want coin B or a fiat amount. Sometimes a second published % (CoinGate payout-with-conversion; NOWPayments multi). Sometimes a locked market rate with no extra published bps (still a spread). Sometimes there is no conversion product at all.
3. Payout. Leaving the processor: SEPA, SWIFT, crypto withdraw, min fees, dashboard-only settlement cuts. If funds already sit in your wallet, this layer is $0 from the gateway — you still pay chain fees when you move coins later.
4. Network hops. Payer gas + any processor deposit / internal / payout hop. Wallet-settlement checkouts still pay the chain once, to the invoice address you configured. Custodial default flows often pay it more than once. Miner fees are not a processor %.
5. Custody. Who holds the float between “paid” and “in your account.” A processor ledger buys refunds, batched withdraws, and bank rails. It also means a withdrawal screen, a minimum, and freeze / KYC risk. Direct wallet settlement removes the ledger — and removes the bank.

If a listicle only prints layer 1, it has not priced the gateway.

Dated official cells (2026-08-27)

One cell each. Recheck the linked official URL before you budget a month. Full fee walks we already published stay on those URLs — do not treat this table as a rebuild.

Provider	Official cell, fetched 2026-08-27	Layers this cell does not finish	Deep-dive (live, do not rebuild)
BitPay	bitpay.com/pricing: <$500k 2% + 25¢; $500k–$999,999 1.5% + 25¢; ≥$1M 1% + 25¢. High-risk: higher, unpublished. The Woo plugin listing still walks a $100 invoice “minus our 1% processing fee” — stale vs the pricing page.	Conversion (fiat settle is the product); daily bank payout; shopper network cost; licensed ledger. 25¢ is per paid invoice.	BitPay alternative for SMBs
CoinGate	coingate.com/pricing: Standard 1%. Payout 0.50 EUR + 0.5%, or +1.5% with conversion. SWIFT 0.50%, min 50 EUR. SEPA / crypto withdraw free above 50 EUR. Manual FX 1%. Refund 0.25 EUR + 0.1% when the refund currency differs.	Bank rails, weekly settle, MiCA/PI ledger. 1% is processing, not all-in.	CoinGate alternative
NOWPayments	Conflict — quote both, no winner. Zendesk Fees: 0.5% mono / 1% multi / 1% fixed or user-paid. nowpayments.io help the same day: 1% without exchange / 1.5% multi, fixed-rate, or user-paid. Pricing hero just says 1%.	Conversion + multiple network hops (deposit / internal / payout) on the flows they document. Custody default vs payout-wallet opt-out.	NOWPayments alternative
Blockonomics	Help, modified 18 Jul 2026: 10 free, then 1% of crypto received. Billed monthly; not taken from the payment.	Chain fee to your wallet. No fiat payout product on that article.	Blockonomics alternative
BTCPay Server	Docs: 0% processing. You still pay hosting + miner / network fees. Not a processor %.	Ops time, VPS or third-party host, Lightning if you run it.	BTCPay Server alternative
Crypto.com Pay	0% checkout (official). Payout % unpublished on a public page.	Dashboard settlement fee, mins, wires, buyer gas if not the App.	One row: Crypto.com Pay fees for merchants — do not clone that post.
Coinbase Commerce / Business	Commerce transition table: 1%. Business column: 1% for migrating merchants only. coinbase.com/business: completed-payment fee is login-to-see. Commerce portal shut 31 Mar 2026.	Custody + bank offramp on Business (US/SG eligibility on that table). Do not print 1% as every Business account.	Use the transition help page; we do not have a Commerce-fees sibling.
Plisio	Not re-fetched as a cell today.	—	Plisio alternative
FinCobra Checkout	Billing docs: Free Start $1,000 paid invoice volume, then 0.5% PAYG, billed monthly in arrears on confirmed / out-of-band USD invoice volume (amount locked at creation). Unpaid and overpay-above-total do not count.	No fiat payout product → no payout layer. Wallet settlement. You pay chain fees. EVM hub documented ≤50 bps. No Lightning. No Shopify.	This page + docs/checkout

High-risk BitPay, Crypto.com Pay payout, and Coinbase Business sticker are not numbers we will invent.

How to add it up (without a fake winner)

Work a month on your job, not theirs.

• Need USD/EUR/GBP in a bank? You are buying headline + conversion + payout + their ledger. BitPay’s published SMB rung is 2% + 25¢ under $500k. CoinGate’s published Standard is 1% plus the payout / SWIFT / refund lines above. Crypto.com Pay’s checkout is 0%; the settlement cut is whatever Fees and Limits shows after login. FinCobra cannot do this job. Do not subtract 0.5% from 2% and call it savings.
• Need coin-in / coin-out, processor may convert? NOWPayments’ two official help pages do not agree (0.5%/1% vs 1%/1.5%). Until they do, your all-in is a range, plus the hops they document. We will not pick a side.
• Need coins in a wallet you already control? Blockonomics is 10 free then 1%, billed after the fact. BTCPay is 0% software plus hosting and miners. FinCobra is $0 on the first $1,000 paid volume, then 0.5% of paid volume, invoiced monthly. There is no gateway withdraw screen because there is no FinCobra balance.
• Need 0% at checkout and a bank? That is a processor with an unpublished or dashboard payout — not a wallet PAYG product.

A $10,000 confirmed month, after Free Start, on FinCobra PAYG is $50 (0.5% × $10,000). That $50 is the headline + billing layer only. It is not “$50 vs BitPay $210” unless you also refuse their bank, licenses, and plugins. BitPay at the published SMB cell on forty $250 invoices is 2% + 25¢ × 40 — on their pricing page, for their job.

Choose FinCobra only if

Choose FinCobra Checkout only if all of these are true:

• You want wallet PAYG, not a processor ledger. Invoice → /pay/:id → HMAC webhook → fulfill. BTC to addresses from your xpub/ypub/zpub. USDT/USDC to wallets you set (Ethereum; Solana; USDC only on Arbitrum One and Base).
• You will not need fiat-to-bank. We do not sell SEPA, SWIFT, ACH, cards, or a settlement cut. If payroll needs dollars in an operating account tomorrow, use BitPay, CoinGate, Crypto.com Pay, or Coinbase Business — not us.
• 0.5% of paid USD invoice volume after the first $1,000, billed monthly in arrears, is a fee you can put on a spreadsheet today. You accept chain fees. You accept the documented EVM hub cap of 50 bps. You do not need us to convert or refund from a balance.
• You will live on those rails. Not Lightning. Not Shopify. Not “any token.” WooCommerce is a private pilot (v0.1.0, USD one-time, $99/yr at 0% or 0.5%) — not WordPress.org.

If any of those fail, this is the wrong product, even if 0.5% is the smallest public number on the table.

CTA

If the last block is you — hosted wallet settlement, public PAYG, no bank rail — book a live walkthrough and configure your own wallets in the app. Billing: docs/checkout/billing. Product: docs/checkout.

Do not ask us to hide a payout fee behind 0%, or to beat a 2% bank-settlement gateway on a job we do not sell.