Crypto payment gateway fees: what you actually pay
Every crypto payment gateway advertises a percentage, but the percentage is rarely the whole bill. Network fees, withdrawal fees and conversion spreads can matter as much, and they are split differently from one provider to the next. This post explains each kind of fee, shows how to compare providers on a real month of payments, and lists the headline rates that some gateways publish, with links so you can check them yourself.
The four fees to look for
| Fee | Who pays it | What to ask |
|---|---|---|
| Processing fee | The merchant, as a share of each payment | Is it a flat rate or a starting rate ("from 0.x %")? Does it differ by coin, token or volume? |
| Network fee on the payment | Usually the customer, from their own wallet | Is anything added on top of the invoice amount, or taken from it before it is credited? |
| Withdrawal fee | The merchant, each time they move money out | A fixed amount per network, a percentage, or the live network cost? Is there a minimum? |
| Conversion spread | The merchant, when coins are converted | Is conversion built in? At what spread or partner fee? Can you keep the coin you were paid in? |
Setup and monthly fees are the fifth thing to check. easyway has neither.
What easyway charges
easyway takes 0.5% of each confirmed payment, the same rate for every coin and network, with no setup or monthly fee. The customer pays their own network fee to send the payment, so the invoice amount is not increased. Your balance stays in the coin and network the customer paid with: there is no conversion and therefore no conversion spread. When you withdraw to one of your whitelisted wallets, a fixed network fee in that coin is deducted. For stablecoins it is:
| Asset id | Stablecoin and network | Withdrawal fee | Min. withdrawal |
|---|---|---|---|
USDT_TRC20 | USDT on TRON · TRC-20 | 1 USDT | 0.5 USDT |
USDT_BEP20 | USDT on BNB Smart Chain · BEP-20 | 0.1 USDT | 0.5 USDT |
USDT_TON | USDT on TON · Jetton | 0.1 USDT | 0.5 USDT |
USDT_ERC20 | USDT on Ethereum · ERC-20 | 1.5 USDT | 0.5 USDT |
USDC_ERC20 | USDC on Ethereum · ERC-20 | 1.5 USDC | 0.5 USDC |
USDC_BEP20 | USDC on BNB Smart Chain · BEP-20 | 0.1 USDC | 0.5 USDC |
USDT_SOL | USDT on Solana · SPL | 0.3 USDT | 0.5 USDT |
USDC_SOL | USDC on Solana · SPL | 0.3 USDC | 0.5 USDC |
USDT_POLYGON | USDT on Polygon · PoS | 0.1 USDT | 0.5 USDT |
USDC_POLYGON | USDC on Polygon · PoS | 0.1 USDC | 0.5 USDC |
USDT_AVAX | USDT on Avalanche · C-Chain | 0.1 USDT | 0.5 USDT |
USDC_AVAX | USDC on Avalanche · C-Chain | 0.1 USDC | 0.5 USDC |
DAI_ERC20 | DAI on Ethereum · ERC-20 | 1.5 DAI | 0.5 DAI |
FDUSD_BEP20 | FDUSD on BNB Smart Chain · BEP-20 | 0.1 FDUSD | 0.5 FDUSD |
PYUSD_ERC20 | PYUSD on Ethereum · ERC-20 | 1.5 PYUSD | 0.5 PYUSD |
The fees for the other coins are on the pricing page. A customer who pays from an exchange may send slightly less than the invoice because the exchange keeps its own withdrawal fee; by default a shortfall of up to 1 % (adjustable from 0 to 5 %) still counts as paid, so that difference is a cost you choose to accept or not.
A worked example: $10,000 a month
Say you receive $10,000 a month in USDT and withdraw once a week. The processing fee is 50 USD and you keep 9950 USD. Four withdrawals cost 4 USDT on TRON or 0.4 USDT on BNB Smart Chain. Withdrawing less often lowers that part; the processing fee stays the same. Run the same month through any provider you are considering: the percentage, the cost of your withdrawal schedule, and any conversion you would actually use. That total is the number to compare, not the headline rate.
Headline rates on public pricing pages
For reference, this is what two other gateways state on their own pricing pages, as read on 2026-10-13. Pricing pages change and the full terms (tiers, conversion, withdrawal fees) are on each provider's site, so always check the source before you decide:
| Provider | Headline rate on its page | Source |
|---|---|---|
| NOWPayments | "1% service fee" | nowpayments.io/pricing |
| Cryptomus | "Low commission from 0.4%" (a starting rate) | cryptomus.com/pricing |
| easyway | 0.5% flat, per confirmed payment | /pricing |
A "from" rate is the lowest tier, so ask what applies at your volume. A gateway that converts coins for you may be worth a higher total if you need that; easyway does not convert, so if you need local currency you sell the coins on an exchange you already use, with that exchange's own fees.
In short
Compare the total for a real month, not the percentage on the banner: processing fee, withdrawal cost for how often you withdraw, and conversion if you use it. Prefer stablecoins on networks with low withdrawal fees if you receive often. To see the numbers on your own flow without real funds, follow the sandbox guide, or read how crypto payment gateways work first.