Comparing crypto payment gateways on their headline percentage misses most of the cost. What matters is the amount that reaches your wallet for each payment. Four things come off on the way.
The four costs
- Gateway fee. A percentage of each payment, sometimes with a fixed part. This is the number on pricing pages.
- Network cost. Moving coins costs gas or a miner fee. Someone pays it on every forward or withdrawal: check whether it is the gateway, you, or your customer.
- Withdrawal fee. Custodial gateways keep a balance for you; getting it out can cost a flat fee per withdrawal and come with a minimum.
- Conversion spread. If the gateway converts crypto to fiat or to another coin for you, the exchange rate it uses is a cost, even when no fee is shown.
A fair comparison adds all four for a typical payment of yours, on the network your customers actually use.
What NoncePay charges
| Cost | NoncePay |
|---|---|
| Gateway fee | 1.25% per payment, down to 0.25% with volume |
| Network cost | Passed on at cost, quoted live by /estimate/ |
| Withdrawal fee | None: there is no balance, every payment is forwarded to your wallet |
| Conversion spread | None: you receive the coin your customer paid |
| Sign-up, monthly | None |
The volume tiers count what was forwarded to your wallet over the last 30 days:
| 30-day volume | Fee |
|---|---|
| Under $250k | 1.25% |
| $250k – $1M | 1.10% |
| $1M – $2.5M | 1.00% |
| $2.5M – $5M | 0.85% |
| $5M – $10M | 0.70% |
| $10M – $20M | 0.50% |
| $20M and above | 0.25% |
How the network cost works
- Native coins (BTC, ETH, SOL, TRX, BNB…): the network fee of the forwarding transaction comes out of the payment.
- Tokens (USDT, USDC…): we pay the gas in the network's coin and recover its cost in the token at the market price. You never need TRX, ETH or BNB in your wallet to receive USDT.
The callback gives the exact split for each payment:
value_forwarded_coin = value_coin − fee_coin − network cost.
Keeping the network cost low
- Offer cheap networks: USDT on BNB Smart Chain, USDC on Base, Arbitrum, Optimism or Solana cost far less to move than tokens on Ethereum. Our USDT network comparison has the details.
- Avoid very small payments on expensive networks: the network cost is the same for 5 USDT as for 5,000. That is why each coin has a minimum.
Questions
What is the cheapest way to accept crypto? Accept stablecoins on a low-fee network and use a gateway that forwards each payment without withdrawal or conversion fees. The cost is then the gateway percentage plus a small network cost.
Is there a fee if nobody pays? No. Creating addresses is free; only forwarded payments are charged.
Can I see the fee before integrating? Yes, /info/ and the fees page
list it, and /estimate/ quotes the current network cost of a forward.