Coinbase Commerce Fees (2026): What Coinbase Business Charges

Does Coinbase Commerce still exist, and does it still charge 1%?

Coinbase's transition guide says the Commerce portal became permanently inaccessible after the 31 March 2026 deadline, and lists the replacement's price as 1% for migrating merchants.^[1] The old Commerce web address now redirects to Business.^[7]

For everyone else, Coinbase says Business charges a fee on every payment that goes through and shows the current rate after sign-in.^[2] The developer docs add that the rate appears when you create a payment link, and that fees cover volume through links, invoices and checkouts.^[11] An October 2025 launch post did quote 1%, but for an early US alpha, so don't read it as your price.^[8]

Eligibility comes before pennies. Coinbase says Business is open to C corporations and LLCs based in the US and Singapore.^[10] The US agreement is narrower: it names C corporations and LLCs with more than one owner, and leaves other entities to Coinbase's discretion. A US sole-owner LLC should ask Coinbase before applying. That clause says nothing about Singapore's rules.^[15] A broader account description names other entity types, but a sole proprietor shouldn't assume approval. If you don't fit what Coinbase lists, start with our Coinbase Commerce alternatives.

Everything Coinbase publishes about Business fees

A fee Coinbase hasn't published isn't a fee of zero.

How much will a $10,000 month cost you?

At the migrating-merchant rate, the fee on a $10,000 month is $100. Across 100 orders of $100, that leaves $9,900 before conversion, transfers and bank charges. Each extra 0.1% of cost on those sales adds $10 a month, and a new merchant's rate could differ.

Adjust the calculator to your monthly sales and average order. Coinbase's line uses the migrating-merchant 1%. B2BinPay's uses its coin rate, not its higher stablecoin rate, and leaves out its per-network minimum commissions, so ask whether they apply to you. The totals also leave out any application fees and other charges we couldn't find.

BitPay's 2% plus 25 cents comes to $225 on that same month, a $125 gap, or $1,500 across twelve identical months.^[16] CoinGate's Standard fee is 1%, or $100.^[17] B2BinPay charges 0.50% for stablecoins in its $0–1 million band, or $50 here; its 0.40% coin rate produces the calculator's $40.^[19]

Two worked months

Does order size change the fee?

Coinbase's published migrating-merchant fee is a percentage of the order value, and we found no fixed fee in that offer. The chart plots the fees we know, with Coinbase flat at 1% and B2BinPay at its coin rate. BitPay's 25 cents pushes its curve up on small baskets: a $25 order costs 75 cents, or 3%.

If your orders are mostly small, ask whether your quote includes a fixed charge. Ten cents on a $10 basket adds a full percentage point on top of the percentage fee.

Who pays the network fee?

Customers may need to pay the blockchain cost. Gas comes on top of the merchant fee, and although Coinbase says Base payments work without a gas balance, it doesn't say who funds a Base transaction.

Payment links accept USDC on Ethereum, Base, Polygon, Optimism and Arbitrum, and USDT on Ethereum. Funds settle in USDC.^[2] A buyer already holding USDC on Base has the easiest path. Swapping coins or chains beforehand can add costs outside your Coinbase bill.

Payouts you send work differently. The payout guide says Base transactions are free for you and the recipient, but gives no price for other networks. The checkout overview is silent on refund network costs too, so ask about both before you promise a customer the full order value back.

Is converting USDC and USDT to dollars free?

Don't budget automatic dollar conversion as free. Coinbase's Business page says automatic USDC-to-USD conversion has a fee, shown after sign-in. Its liquidation help says conversions are subject to fees and spread, without publishing the amount.^[3]

USDT receipts add another conversion step: Coinbase says they automatically become USDC. Its August 2026 announcement confirms this is live, though the older transition table still calls USDT a future feature.^[9] Ask whether your payment rate covers that conversion.

Coinbase's general fee disclosure mentions 0.10% on net USDC conversions above $5 million in a rolling 30-day period.^[13] The US Business agreement points to that disclosure for fee calculations, but nothing says that threshold is the whole automatic-conversion tariff. A shop below $5 million shouldn't assume conversion is free, and its Business quote is what counts.

For scale, a hypothetical 0.5% conversion cost on all $10,000 of sales would add $50 to a $100 fee. That's our illustration, not a Coinbase rate, and it would come out differently if the charge applied to the balance after the fee.

What does it cost to get paid out to your bank?

Coinbase's withdrawal guide gives timing but no withdrawal fee. ACH transfers may take 1–3 business days, and the bank-account name must match your Business account. The guide publishes no withdrawal minimum or limit.^[4] That matters if you're expecting today's crypto sale to fund tomorrow's supplier payment.

Auto-withdraw can send your available USD balance, or whatever is above a threshold you set, through ACH daily, weekly or monthly. The October 2025 launch post also mentions wire cash-outs, but gives no cost and doesn't say which accounts can use them.

The free ACH on the funding page covers deposits into Business, not withdrawals. The US Business agreement lets Coinbase deduct bank fees it incurs from transfers and makes you responsible for your own bank's charges.^[15]

Rewards can offset some spending, but they don't reduce a fee. Coinbase's rewards help lists 3.60% annual percentage yield, a $1 minimum and rates that vary by region and can change.^[12] A constant $10,000 balance at that rate would earn about $360 over a year, roughly $30 a month. Your balance and rate may differ, and money you withdraw to pay bills stops earning rewards.

Which Coinbase Business fees are easy to miss?

Conversion, bank costs and refunds are the main gaps in a usable budget, even if your fee rate looks cheap. Put these questions to Coinbase before making Business your main checkout:

• What does your payment quote cover? The percentage, any fixed charge, and whether USDT conversion is included.
• What arrives after dollar conversion? The fee, the spread and how it's calculated, not just the payment rate.
• What costs apply to withdrawals? Coinbase's deduction, your bank's charge, any minimum and how much you can transfer.
• What happens on a refund? The checkout API supports full and partial refunds, but the overview is silent on whether your original fee comes back or who pays the refund's network cost.^[11]
• What other account charges apply? We found no monthly or inactivity fee in the sources listed here, though your contract may have one.

A delayed transfer can leave you short of cash without adding any fee. Coinbase says transactions can be reviewed, delayed or cancelled; most finish within a few hours, but some take longer.^[14]

How do Coinbase Business fees compare with alternatives?

At the migrating-merchant 1%, Coinbase's fee is lower than BitPay's in the examples above, which makes it worth considering for an eligible US business taking stablecoins. BitPay publishes its rates and issues settlements every business day above the relevant minimum; arrival at your bank is another wait.^[21] A new Coinbase applicant still needs a quote before choosing on cost.

Coinbase's row uses the migrating-merchant rate and B2BinPay's headline is for coins. Neither includes charges we couldn't find.

	Coinbase Commerce / Coinbase Business	BitPay	CoinGate	B2BinPay
Score	67/100 · #5	73/100 · #3	81/100 · #1	62/100 · #9
Payment fee	from 1%	2% + $0.25	1%	0.4%
Cost on $10k/month	$100	$225	$100	$40.00
Pays out to bank	USD	AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD	EUR, GBP, USD	EUR, USD
Stablecoin networks	USDC: Ethereum, Base, Polygon, Optimism, Arbitrum · USDT: Ethereum	USDC: Ethereum, Polygon, Arbitrum, Optimism, Base, Solana · USDT: Ethereum, Polygon, Arbitrum, Optimism, Solana · PYUSD: Ethereum · GUSD: Ethereum · USDP: Ethereum · EURC: Ethereum · BUSD: Ethereum, Polygon	USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum	USDT: Not stated · USDC: Not stated
Coins	2	19	12	Not stated
Custody	Custodial	Custodial	Custodial	Custodial
Merchant KYC	Required	Required	Required	Required
Rolling reserve	Not stated	Not stated	Not stated	Not stated
Licence	Money transmitter licences (NMLS ID, Coinbase, Inc.) (1163082); New York Virtual Currency Business Activity licence (NYDFS) (122466)	Money transmitter (NMLS ID) (1496848); Virtual Currency Business Activity licence (NYDFS)	Crypto-Asset Service Provider (MiCA), Bank of Lithuania; licence No. 2, authorization code LB002323 (LB002323); Payment institution, Bank of Lithuania (EMT operations); licence No. 60, authorization code LB002324 (LB002324)	Digital Asset Service Provider (PSAD), B2BINPAY EL SALVADOR S.A. DE C.V. (PSAD-0064); Bitcoin Service Provider (PSB), B2BINPAY EL SALVADOR S.A. DE C.V.
Plugins	Not stated	WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce
Legal entity country	United States	United States	Lithuania	Not stated
Founded	Not stated	2011	2014	Not stated

CoinGate lists Singapore among its merchant countries but not the US, so a US shop can't count on it as a direct substitute.^[18] B2BinPay's El Salvador policy restricts US and Canadian residents and companies despite a conflicting exemption footer, so a low rate may not be open to you.^[24]

CoinGate's commercial policy adds a risk margin, with no listed price, to its 1% merchant fee, so $100 isn't its whole cost either.^[22] B2BinPay's bank table covers EUR and USD, with a 5,000 minimum per withdrawal plus its own charges, and its T+1 label doesn't promise next-day arrival at your bank.^[19] Its low percentage suits bigger flows better than a shop making small, frequent bank transfers.

BitPay's rate falls from 2% to 1.5% at $500,000 monthly volume and to 1% at $1 million, each plus 25 cents. Higher-risk industries pay a higher rate that isn't published. The BitPay fee guide and CoinGate fee guide cover their extras, and BitPay vs Coinbase Commerce compares the two head to head.

How can you pay less?

1. 
   01

   Apply and read your rate

   There's no application fee. Once approved, create a payment link and read the rate shown, before you build anything on top of it.

2. 
   02

   Ask Coinbase about the gaps

   Email Coinbase the questions above, including conversion spread, wire fees and whether volume pricing exists.

3. 
   03

   Pick the cheapest way for customers to pay

   If customers already hold USDC on Base, they can pay without holding gas. USDC receipts also avoid the USDT-to-USDC conversion step.

4. 
   04

   Get a second quote

   Compare BitPay, or CoinGate if you're in a country it lists, at the same monthly volume and order size, and count the money that reaches your bank.

Batching withdrawals would only help if your account has a fixed transfer cost, and none is published, so don't hold back cash you need to dodge a fee nobody has confirmed.

Where can you read more about Coinbase Business?

The Coinbase Commerce review covers approval, custody and payment support. For the wider choice, see the BitPay review and CoinGate review, our processor buying guide and the gateway ranking.

Coinbase Commerce fees FAQ

Change log: 14 October 2026, rechecked B2BinPay's policy. 11 October 2026, rechecked the high-risk fee claims and added the current US Business terms and deposit pricing. 5 October 2026, first published.