PYMSTR
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Stablecoin Payment Gateway Pricing.

1% per transaction. No setup, no minimums, no rolling reserves. USDC and USDT across 5 chains, settled directly to your wallet.

//Pricingno tiers · no reserves · no surprises
All merchants
1%flat

Per settled transaction. The only fee you pay.

What's not in it
  • ✓No setup fee
  • ✓No monthly minimum
  • ✓No rolling reserves
  • ✓No chain surcharge
  • ✓No conversion spread
  • ✓No chargeback fees
  • ✓No per-coin fee
  • ✓No contract

Volume merchant doing $1M+ monthly?

//Comparisonpublished rates only

Pricing compared.

All rates pulled from each provider's public website. PYMSTR row highlighted. We compare only to other stablecoin / crypto payment processors — PYMSTR is additive to your existing card processor, not a replacement.

PYMSTRCoinsPaidBitPayNOWPayments
Transaction fee✓1% flat−0.5–1.5%✕2% + $0.25−0.5% / 1%
Setup fee✓$0−Not published✓$0✓$0
Monthly minimum✓None✕$25/mo inactivity✓None✓None
Rolling reserves✓None✕Custodial holds−Settlement delay✕Custodial holds
Conversion spread✓None — stable-in, stable-out✕0.3–0.8%✕~1% on conversion−Built into 1% tier
Custody model✓Non-custodial✕Custodial✕Custodial−Custodial / Non-custodial split
KYB required✓No✕Yes — days to weeks✕Yes — days−Yes — varies
iGaming support✓Yes — built for it✓Yes✕Restricted✓Yes

Want a deeper side-by-side? See all comparisons →

//Gas feespaid by customer, not you

Gas comes from the customer wallet.
Not from PYMSTR's 1%.

Stablecoin transactions run on-chain. The network charges a small gas fee at confirmation, deducted automatically from the customer's wallet balance — not from your settlement.

PYMSTR's 1% is the only fee you, the merchant, pay. Everything else stays with the customer's wallet at transaction time.

ChainGas · Speed
Base$0.05 · 2 sec
Polygon$0.01 · 2 sec
Arbitrum$0.10 · 2 sec
BNB Chain$0.10 · 3 sec
Ethereum$2–10 · 15 sec
//What you don't pay4 primitives

Things competitors charge for.
Things you'll never see from us.

✓PYMSTR

No rolling reserves

PYMSTR is non-custodial — your funds go directly on-chain to your wallet. There is nothing for us to reserve.

Custodial PSPs: 5–15% of volume held for 6+ months

✓PYMSTR

No setup fees

Sign up via social login or wallet connection. An embedded wallet is created automatically. You start in minutes, not days.

Enterprise PSPs: up to $1,000 setup; KYB review days to weeks

✓PYMSTR

No monthly minimums

You pay 1% on what you settle. Zero volume one month = zero fees. No inactivity penalty.

Custodial PSPs: $25/mo inactivity or volume minimums

✓PYMSTR

No conversion spread

Stable-in, stable-out. USDC comes in, USDC goes to your wallet. We never touch an exchange rate, so there's no spread to hide.

Custodial PSPs: 0.3–0.8% baked into the fiat conversion rate

//Pricing questions8 answers

Pricing
FAQs.

No. 1% is the only fee PYMSTR charges per settled transaction. No setup fee, no monthly fee, no minimum volume, no chain surcharge, no per-coin fee, no conversion spread, no chargeback fees, and no contract.
The customer's wallet pays gas at transaction time. Gas is deducted from the customer's stablecoin balance, not from your settlement. PYMSTR's 1% is the only fee you, the merchant, pay.
No. If you settle $0 one month, you pay $0. We charge 1% only on what actually settles — no inactivity fee, no platform fee, no commitment.
No. Same 1% across USDC and USDT on Ethereum, Base, Polygon, Arbitrum, and BNB Chain. You decide which chains and tokens to accept; the fee never changes.
No. PYMSTR is self-serve. Start accepting stablecoins in minutes, stop whenever you want. No annual contract, no exit fee.
Same 1%, no FX. Stablecoins are global by default — a customer in Singapore pays the same way as one in Brazil. There is no currency conversion to charge for because your wallet receives stablecoins, not fiat.
You pay $0. PYMSTR has no monthly minimum, no inactivity fee, and no commitment. Most processors charge a $25/mo dormancy fee or worse — we charge nothing when you do nothing.
BitPay charges 2% + $0.25 per transaction and restricts iGaming. NOWPayments is 0.5–1% depending on whether you take a custodial conversion. CoinsPaid is 0.5–1.5% plus a 0.3–0.8% conversion spread plus $25/mo inactivity. PYMSTR is 1% flat — no spread, no inactivity, non-custodial. The comparison table above shows it side-by-side from each provider's public site.
Related reading
Analysis·10 min read

iGaming Payment Processing Costs Explained

  • Card processors net $87.60 per $100 deposited.
  • PYMSTR nets $99. Full line-item math inside.
MCC 79957 processorsper $100 breakdown
Read the analysis→

Start accepting stablecoins today.

1% flat. Non-custodial. Stable-in, stable-out. Funds settle directly to your wallet on-chain.