01
What is the total effective cost?
Include processing, blockchain transfers, sweeps, conversion spread, withdrawal fees, minimums, reserves, and fixed charges.
Provider comparison
Compare crypto payment gateways on the costs that actually reach your balance
A headline processing rate is only one line in the payment flow. Use a complete merchant cost model: processing, network movement, conversion, withdrawal, custody, and day-to-day operations.
Decision framework
Six questions to ask every provider
Compare the same operating scenario across providers. Record the advertised terms, the assumptions behind them, and the amount the merchant can finally withdraw.
02
What asset reaches settlement?
Check whether the received asset stays unchanged or is automatically converted before it appears in the merchant balance.
03
Who controls signing authority?
Understand the custody model, key distribution, withdrawal controls, whitelisting, and the failure mode if a signer is unavailable.
04
Which network and asset pairs are usable?
A long token list is not enough. Verify the exact payment and payout routes required by your customers and treasury.
05
How does the integration fail?
Review idempotency, webhook authentication and retries, sandbox parity, invoice states, refunds, and reconciliation.
06
What changes after onboarding?
Confirm limits, verification triggers, payout minimums, support ownership, contract terms, and pricing tiers in writing.
Cost model
Separate the visible rate from the complete payment path
Do not compare a processor percentage with a card MDR or another gateway percentage as if the labels covered identical work.
Acceptance
The provider fee charged when an invoice settles, plus any setup, subscription, minimum, reserve, or per-transaction charge.
Blockchain movement
The payer transfer, provider collection or sweep, and merchant withdrawal can be separate on-chain events with separate network costs.
Conversion and payout
Measure exchange spread, forced conversion, payout-asset changes, withdrawal fees, and the final amount delivered to the merchant wallet.
Merchant guides
Go deeper before choosing a provider
Custodial vs non-custodial gateways
Compare control, security responsibilities, settlement, refunds, and daily operations.
Read guideCrypto vs card payment costs
Build a like-for-like model across fees, reserves, disputes, conversion, and treasury work.
Read guideWhy blockchain network fees change
Understand who pays gas, why it moves, and why a permanent fixed gas claim is unreliable.
Read guideHow crypto payments reach settlement
Follow the complete path from invoice and wallet transfer to confirmations and merchant balance.
Read guidePaymos facts
What Paymos discloses before you compare
Paymos publishes one processing model and keeps settlement in the accepted asset. These are Paymos product facts, not claims about another provider.
- Standard processing is 1.0% per settled invoice; Enterprise is 0.3% on request.
- There is no setup fee, monthly platform fee, monthly minimum, reserve, or rolling reserve.
- Paymos does not add a hidden conversion spread or force an intermediate conversion.
- The payer wallet pays the send-network fee; Paymos covers acceptance and consolidation network costs.
- Any withdrawal network fee and minimum are shown for the selected asset and network route.
- Settlement stays in the accepted asset, and Paymos takes no processing commission on withdrawal.