Cheapest Crypto Payment Gateways
Compare crypto payment gateways by total cost. Transaction fees from 0% to 1%, with no hidden charges. Find the lowest-cost way to accept crypto.
Last updated: March 2026 · 15 gateways match this category
Finding the True Cost of Crypto Payment Processing
Transaction fees are only part of the picture. BTCPay Server charges 0% but requires server hosting ($5-20/month). XAIGATE charges 0.2% with no other fees. Coinremitter charges 0.23%. At $10,000/month in transactions, that is $0 vs $20 vs $23 — all cheaper than traditional payment processors charging 2.9% + $0.30 per transaction ($320/month).
Hidden costs include withdrawal fees, currency conversion spreads, and network gas fees. Non-custodial gateways eliminate withdrawal fees since payments go directly to your wallet. But you still pay blockchain network fees when consolidating or converting funds. Factor in 2-3 transactions per month at current gas prices for your total cost.
Volume discounts exist at enterprise gateways like CoinsPaid but require sales calls and KYC. For most businesses under $100k/month in crypto payments, the transparent pricing of Coinremitter (0.23%) or XAIGATE (0.2%) beats any negotiated enterprise rate after factoring in the overhead of onboarding.
Top 3 Compared
| Feature | Plisio | Coinremitter | Paymento |
|---|---|---|---|
| Tier | Gold | Gold | Silver |
| KYC Level | Minimal KYC | Minimal KYC | No KYC |
| Transaction Fee | 0.5% | 0.23% on withdrawal | 0.5% (+$0.20 with built-in wallet) |
| Monthly Fee | Free | Free | Free |
| Supported Crypto | BTC, ETH, USDT, USDC, LTC +5 | BTC, ETH, USDT, USDC, LTC +4 | BTC, ETH, USDT, USDC, SOL +2 |
| Chains | Ethereum, BSC, Tron, Litecoin +1 | Ethereum, BSC, Tron, Solana +1 | Ethereum, BSC, Solana, Polygon +1 |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | WooCommerce, Shopify, Magento, PrestaShop, OpenCart, WHMCS | WooCommerce, Magento, Laravel, OpenCart | WooCommerce, Shopify |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | 25% Revenue share | 30% Revenue share on transaction fees | TBD Revenue share |
| Action |
All Matching Gateways
Plisio
Businesses wanting white-label checkout with invoicing and mass payout capabilities
0.5%
10+ coins
Coinremitter
Cost-conscious merchants who want a low, withdrawal-based fee and light onboarding
0.23% on withdrawal
9+ coins
Paymento
Merchants wanting non-custodial crypto payments with innovative BNPL functionality
0.5% (+$0.20 with built-in wallet)
7+ coins
XAIGATE
Budget-conscious merchants wanting the absolute lowest transaction fees with auto-USDT conversion
0.2%
8+ coins
BTCPay Server
Technical merchants who want zero fees, full sovereignty, and complete control over their payment infrastructure
0% (free)
4+ coins
Cryptomus
Merchants wanting low fees + white-label with Telegram integration
0.4%
12+ coins
ForumPay
Retail and e-commerce businesses wanting POS + online crypto acceptance with fiat off-ramp
0.5%
12+ coins
B2BinPay
B2B and enterprise businesses needing white-label crypto payment processing with fiat settlement
From 0.4%
10+ coins
Binance Pay
Businesses targeting Binance's 300M+ user base wanting zero-fee crypto payment acceptance
0%
14+ coins
CryptoCloud
Merchants and Telegram-based businesses wanting zero-KYC crypto acceptance with privacy coin support
0.4%
12+ coins
BlockBee
Developers and e-commerce stores wanting the lowest fees with maximum plugin compatibility
0.25%
12+ coins
PassimPay
Businesses and individuals wanting zero-KYC crypto acceptance with mass payout capability
0.5%
10+ coins
MaxelPay
Telegram merchants and webmasters wanting no-KYC crypto acceptance with wide coin support
0.4%
12+ coins
0xProcessing
Mid-to-large businesses wanting white-label crypto processing with fiat settlement and proven scale
0.5%
12+ coins
PayRam
Technical merchants wanting sovereign, self-hosted, zero-fee crypto payment processing with no middleman
0%
6+ coins
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