Stablecoin Payment Gateway Pricing.
0.5% per transaction. No setup, no minimums, no rolling reserves. USDC and USDT across 5 chains, settled directly to your wallet.
Per settled transaction. The only fee you pay.
- 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?
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.
| Pricing item | PYMSTR | CoinsPaid | BitPay | NOWPayments |
|---|---|---|---|---|
| Transaction fee | 0.5% 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 comes from the customer wallet. Not from PYMSTR's 0.5%.
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 0.5% is the only fee you, the merchant, pay. Everything else stays with the customer's wallet at transaction time.
| Chain | Gas | 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 |
Things competitors charge for. Things you'll never see from us.
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
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
No monthly minimums
You pay 0.5% on what you settle. Zero volume one month = zero fees. No inactivity penalty.
Custodial PSPs: $25/mo inactivity or volume minimums
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 FAQs.
No. 0.5% 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.
Start accepting stablecoins today.
0.5% flat. Non-custodial. Stable-in, stable-out. Funds settle directly to your wallet on-chain.