Crypto payment gateway fees compared (October 2026)

What CoinsFlow, OxaPay, NOWPayments, CoinPayments and Plisio charge per payment, from their own pricing pages read on 2026-10-24, what "network fee" and "conversion" add on top, and what a $20 and a $200 sale cost at each.

Every crypto payment gateway shows one number on its pricing page: the percentage. That number is real, but it is not the whole bill. Network fees, conversion fees and fixed transfer fees sit underneath it, and for a small sale they can matter more than the percentage. This article lists what five gateways say they charge, from their own pages, and then works out what a $20 and a $200 sale cost at each.

All figures were read on 2026-10-24 from the pages linked. Pricing pages change, so check them before you decide, and tell us if one of these has moved.

The headline percentages

CoinsFlow: 0.5% of each payment, taken when it is credited. No monthly fee and no setup fee. A withdrawal pays its own network cost, quoted before you confirm. No conversion between coins: you receive the coin the buyer paid in. (coinsflow.app/pricing)

OxaPay: "1.5% per transaction" for Payment Link, Merchant Invoice and Donation Service; "2% per transaction" for Merchant White Label; Merchant Static Address at "2% +" a fixed fee per transaction. The page's headline says "Fees From 0.4%", which "depending on your business, can be reduced to 0.4%" through an account manager. On-chain transfers out are charged per coin: 0.00016 LTC, 0.25 USDT on BNB Smart Chain, 1 USDT on TRON, 1 USDT on Ethereum. (oxapay.com/pricing, 2026-10-24)

NOWPayments: "Service fee 1%". The page says fees fall when monthly flow reaches certain amounts measured in BTC, without giving the thresholds or the lower rates. It does not list payout fees or conversion fees. (nowpayments.io/pricing, 2026-10-24)

CoinPayments (its newer fee page): "Starting at 0.5%" for coins such as Bitcoin, Ethereum and Solana, and "1%" for tokens. Payments settled to your own wallet are "0.5% + Network Fee": one network fee per payment in ASAP mode, one per nightly batch in Nightly mode. Conversions are "Conversion Partner Fee + Network Fee", with no percentage given. Withdrawals pay network fees. (coinpayments.net/v2-fees, 2026-10-24) CoinPayments also keeps an older fees page, coinpayments.net/help-fees, which lists 3% on coins and tokens; neither page says which accounts its figures apply to. Our comparison page shows both.

Plisio: "0.5% fee" for the Gateway API and "1.5% fee" for White Label. Opening and keeping an account is free. The page does not list payout, network or conversion fees. (plisio.net/pricing, 2026-10-24)

What the percentage leaves out

The buyer's network fee. On every gateway the buyer's wallet pays the fee to get the transaction into the chain. It is not part of your bill, but it decides whether a buyer completes a small sale: a fraction of a cent on Litecoin or BNB Smart Chain, a few cents to a quarter on Ethereum, over two dollars for USDT on TRON without staked energy. If you sell $5 items, the coins you offer matter more than the gateway's percentage.

The network fee on your side. Some gateways add a network fee to each payment as it settles to you (CoinPayments' ASAP mode is one; the nightly batch spreads one fee over the day's payments). Others charge nothing on the way in and charge when you withdraw: that is CoinsFlow's model, and OxaPay's table of per-coin transfer fees is the same idea with fixed amounts. Ask: is a network fee taken per payment, per batch, or per withdrawal? For a shop that takes many small payments and withdraws once a week, "per withdrawal" is cheapest by far.

Conversion. Settling in a coin other than the one the buyer paid is a second service with a second fee, sometimes a percentage, sometimes a "partner fee" plus a network fee for the swap. CoinsFlow does not convert: you get the coin that was paid, and you decide where it goes. If you need dollars at the end, price the conversion separately.

Fixed transfer fees. A fixed fee of 1 USDT to move your money out is 5% of a $20 sale and 0.5% of a $200 sale. Fixed fees punish small sellers; percentages do not.

A $20 sale and a $200 sale

Gateway fee only, at each company's published percentage for its basic merchant product. Network and conversion fees are listed separately above.

Gateway                            $20 sale   $200 sale
CoinsFlow, 0.5%                    $0.10      $1.00
Plisio Gateway API, 0.5%           $0.10      $1.00
CoinPayments, coins 0.5% (newer)   $0.10      $1.00
CoinPayments, tokens 1% (newer)    $0.20      $2.00   + a network fee per payment or per batch
NOWPayments, 1%                    $0.20      $2.00
OxaPay Merchant Invoice, 1.5%      $0.30      $3.00
OxaPay White Label, 2%             $0.40      $4.00
Plisio White Label, 1.5%           $0.30      $3.00

Percentages from each company's pricing page, read 2026-10-24; links above.

Now the full bill for a seller who takes the $20 in USDT on BNB Smart Chain and withdraws at the end of the week. The buyer pays about a fifth of a cent in gas (BscScan's gas tracker showed a BEP-20 transfer at $0.002 on 2026-10-24, bscscan.com/gastracker). On CoinsFlow the seller pays $0.10 and later one withdrawal fee for the whole week, about half a cent on today's gas, so a week of twenty such sales costs about $2.01. At a gateway charging 1% and a fixed 0.25 USDT per transfer out, the same week costs $4.25. At 1.5% with a 1 USDT transfer fee, $7.00. The percentages differ by a factor of three; the fixed fees are what turn a small shop's margin.

Questions to ask any gateway

1. Is the percentage taken from every payment, however small? (On CoinsFlow, yes: 0.5% of a $1 payment is half a cent.)
2. Who pays the network fee on the way in, and is it per payment, per batch or per withdrawal?
3. Is there a fixed fee to withdraw, and in what unit?
4. Is conversion included, optional or impossible, and what does it cost?
5. Is there a monthly, setup or inactivity fee?
6. What is the smallest payment and the smallest withdrawal? (CoinsFlow: 0.0001 LTC, 0.00001 BTC, 1 USDT or USDC to withdraw.)
7. When is the money yours to move: at how many confirmations, and does the gateway hold it after that?

The last question is not a fee, but it costs money all the same. A gateway that credits Litecoin at one confirmation and lets you withdraw at once is paying you faster than one that waits for six and settles nightly. CoinsFlow's full table of confirmations and minimums is in the API docs, and the fee rules are on Pricing.