PYMSTR vs Nuvei.
Custom pricing. Chargebacks. Rolling reserves. Add a better rail.
The numbers speak.
| Feature | Nuvei | PYMSTR |
|---|---|---|
Transaction Fees | Custom pricing, typically high for high-risk | 1% flat. Same for everyone |
Chargebacks | 2-3% of revenue lost (card-based) | 0%. Stablecoin txns are final |
Rolling Reserves | 5-10% held for 6+ months | None. Funds are yours instantly |
Settlement Speed | 3-7 business days | Instant. Direct to your wallet |
Account Freezes | Risk for high-risk merchants | Impossible. Non-custodial |
Onboarding | 4-8 weeks KYB + underwriting | 5 minutes, no KYB required |
Transaction Fees
1% flat. Same for everyone
Custom pricing, typically high for high-risk
Chargebacks
0%. Stablecoin txns are final
2-3% of revenue lost (card-based)
Rolling Reserves
None. Funds are yours instantly
5-10% held for 6+ months
Settlement Speed
Instant. Direct to your wallet
3-7 business days
Account Freezes
Impossible. Non-custodial
Risk for high-risk merchants
Onboarding
5 minutes, no KYB required
4-8 weeks KYB + underwriting
Why merchants add PYMSTR.
Custom pricing hides the real cost
Nuvei uses opaque, custom pricing for high-risk merchants. Rates are negotiated per client and typically run significantly higher than standard processing. PYMSTR charges 1% flat on every transaction. Transparent and predictable.
Chargebacks cost you 2-3% on top
Card-based payments through Nuvei carry chargeback exposure of 2-3% of revenue plus dispute fees. Stablecoin transactions on PYMSTR are final and irreversible. Chargebacks don't exist.
Rolling reserves lock up your capital
Nuvei holds 5-10% of your volume in rolling reserves for 6+ months. That's capital you can't use. PYMSTR has no reserves, no holdbacks. Funds arrive in your wallet instantly.