Source: https://fincobra.com/blog/cryptocom-pay-fees-merchant.html # Crypto.com Pay Fees for Merchants: 0% Headline vs Wallet PAYG If you are comparing Crypto.com Pay merchant fees, the 0% checkout line is real. The all-in cost is that 0% plus payout/settlement and the published minimums. FinCobra is a different purchase: settlement to wallets you control, at Free Start $1,000 then 0.5% PAYG. Do not treat those as the same fee. ## Quick Answer Stay on **Crypto.com Pay** if you want CRO customer rewards, a Shopify install, a public WooCommerce plugin, fiat/bank settlement, or a large Crypto.com App catalog. Look at **FinCobra Checkout** only if you want wallet settlement with a public rate: first $1,000 of paid volume free, then 0.5% PAYG. No merchant balance. No invented payout percent to “beat” their 0%. Crypto.com Pay wins CRO, Shopify, and public Woo. FinCobra wins wallet settlement and 0.5% PAYG transparency. 0.5% is not cheaper than 0%. ## Crypto.com Pay vs FinCobra at a Glance | Category | Crypto.com Pay | FinCobra Checkout | |---|---|---| | Checkout / transaction fee | **0%** — official, 2026-08-26 | Free Start $1,000, then **0.5% PAYG** | | All-in cost | 0% plus a **payout/settlement fee** and **minimums**. No public payout % | 0.5% of paid invoice volume after Free Start. No payout table, because there is no payout product | | Where funds sit | Merchant account balance, then you request payout | Wallets you configure. No processor balance | | Settlement | Fiat (USD, EUR, AUD; GBP marketed) or crypto, after payout | Wallets only — no bank, SEPA, or fiat rail | | CRO rewards / catalogue | Yes — customer CRO rebates and merchant catalogue | None | | Shopify | Official Shopify payment method | **None** | | WooCommerce | Public WordPress.org plugin | Private pilot plus [woo-demo](https://woo-demo.fincobra.com) only | | Asset set | CRO, BTC, ETH, DOGE, USDC, plus other Crypto.com App tokens | BTC via xpub. USDT/USDC on documented chains. Not any-token. Not Lightning | | Best fit | App traffic, CRO, carts, and banked settlement | Wallet settlement at a public 0.5% PAYG | Crypto.com Pay figures above were checked on 2026-08-26 from [Pay for Business docs](https://pay-docs.crypto.com/) (Fees and Payouts), the [merchant page](https://crypto.com/en/pay-merchant), [fiat settlement notes](https://crypto.com/en/product-news/usd-eur-and-aud-fiat-settlements-for-crypto-com-pay-merchants), the [Shopify setup guide](https://help.crypto.com/en/articles/6188943-shopify-setup-guide), and the [WooCommerce plugin](https://wordpress.org/plugins/crypto-com-pay-checkout-for-woocommerce/). Their payout percentage is not on those pages. Do not invent one. ## Choose Crypto.com Pay If Choose Crypto.com Pay if any of these are the actual job: - you want **CRO rewards** for customers, catalogue placement, or Crypto.com App checkout traffic - you need **Shopify** - you need a **public WooCommerce plugin** you can install from WordPress.org today - you need **USD, EUR, AUD, or other banked fiat** after a merchant-balance payout - you want their **token catalog** (CRO, ETH, DOGE, and other App-supported assets), not a short documented rail list - a **0% checkout fee** is the number you need, and you will read payout/settlement and minimums in the Merchant Dashboard That is a real product. If that is what you searched for, stay there. ## Choose FinCobra If Choose FinCobra Checkout only if the job is wallet settlement plus a public PAYG rate: - funds land in **wallets you control** - Bitcoin through an **xpub** - USDT and USDC on the [documented Checkout chains](https://fincobra.com/docs/checkout/) - Free Start on the first **$1,000** of paid invoice volume, then **0.5% PAYG** - you can live without CRO rewards, Shopify, a public Woo plugin, fiat/bank payouts, Lightning, and any-token checkout FinCobra is a [non-custodial crypto payment gateway](/non-custodial-crypto-payment-gateway): hosted checkout, status, and webhooks, with settlement in wallets you control. It is not a Crypto.com Pay merchant account. If you want self-hosted Bitcoin infrastructure instead of either product, read [BTCPay Server Alternative for Small SaaS Teams](/btcpay-server-alternative). If you need a licensed EU fiat gateway, read [CoinGate Alternative](/coingate-alternative). ## Fees, Honestly The 0% checkout fee is real. Official Pay for Business copy says there is **no transaction fee**, and the merchant is credited the specified amount into the merchant account. That is not the all-in fee. When you request payout, **a payout/settlement fee is applied**. Official docs say to log into the Merchant Dashboard for details. Public pages do **not** publish that percentage. This article will not invent one. What *is* public, as of 2026-08-26: - fiat minimums: **100 USD**, **130 EUR**, **150 AUD** - crypto minimums: **0.01 BTC**, **0.1 ETH**, **500 CRO**, **100 USDC** - a **minimum blockchain fee** can apply on small crypto settlements - fiat wires may add a **transmittance fee** from bank intermediaries FinCobra is **Free Start $1,000**, then **0.5% PAYG** on paid invoice volume, billed monthly in arrears. Settlement is wallets only. There is no payout percent because there is no payout step. Do not call 0.5% cheaper than 0%. If you keep a Crypto.com Pay merchant balance and rarely payout, their checkout line is 0%. If you payout every day, all-in is 0% plus an unpublished settlement fee plus minimums. Those are different bills than 0.5% on volume that already sits in your wallet. ## Shopify and Woo, Without the Stretch Crypto.com Pay ships **Shopify** and a **public WooCommerce plugin**. Those are reasons to stay there if a cart install is the requirement. FinCobra has **no Shopify**. WooCommerce is a **private pilot**. The public proof is the [WooCommerce demo shop](https://woo-demo.fincobra.com), which runs hosted checkout end to end. There is no WordPress.org listing to install today. If you need production Shopify or public Woo now, use Crypto.com Pay. ## One-Pass Decision Use this once: 1. Do you need **CRO rewards**, **Shopify**, a **public Woo plugin**, **fiat/bank settlement**, or their **App token catalog**? Stay on **Crypto.com Pay**. 2. Do you want **wallet settlement** at a **public $1,000-then-0.5% PAYG** rate, with **no merchant balance**? Look at **FinCobra Checkout**. 3. If you answered yes to both, you do not have one product. You have two jobs. Do not force them into one checkout. ## See a Live Walkthrough If step 2 is the job, take a [live Checkout walkthrough](https://woo-demo.fincobra.com) and configure [your own wallets](https://fincobra.com/docs/checkout/). The demo is the private WooCommerce pilot, not a public plugin. Use it to watch hosted checkout, then set BTC via xpub and USDT/USDC on the documented chains in your own account. FinCobra Checkout is for funds in wallets you control. It is not a 0% Crypto.com Pay merchant account, and 0.5% PAYG is not a claim that we are cheaper than 0%.