CoinPayments Fees (2026): Which Price Applies?

How much does CoinPayments charge per payment?

Its V2 page lists coins from 0.5% and tokens at 1%, but another fee page still lists 3%, and a third asks you to contact sales for volume pricing. That's three public answers to one budget question.

The FAQ describes the new platform as independent, with a fresh signup and identity verification, and says existing legacy balances can still be managed during the transition. It doesn't require every new merchant to use V2.^[6] Our calculator uses V2 as a comparison choice of our own.

Your quote should settle it. Before you build the checkout, ask for a fee schedule that names your platform, the coins and tokens your customers will use, your forwarding method and any conversion you need to get paid in your own currency.

Every CoinPayments fee in one table

The contract rows come from the two User Agreements, whose Sections 3, 6 and 9 carry the important conditions.^[8][9]

What does a $10,000 month cost on CoinPayments?

Processing alone is $50 at 0.5%, $100 at 1% or $300 at 3%. The all-in total isn't public, because your network, conversion and bank costs change it. The calculator below leaves those out for every provider, along with application fees and exceptional charges, and an unknown amount isn't zero.

It sets the V2 coin floor against CoinGate's 1%, NOWPayments' same-currency 1% and BitPay's 2% plus 25 cents under $500,000 a month.^[15][22][20] Move the sliders to your own sales and usual order size.

For 100 orders of $100, the rivals come to $100, $100 and $225. CoinPayments' token rate ties the two 1% models.

A small shop, line by line

A larger store, and the gap that opens up

Do small orders cost more on CoinPayments?

CoinPayments lists no fixed processing charge, so the percentage stays the same as the basket shrinks. A network charge can take a much bigger bite from a small order, though. BitPay's flat 25 cents explains its rising curve below, and all these lines leave out network and conversion costs.

For illustration, suppose your forwarding method added $2.50 per payment to a 1% token fee. That's an invented network cost, not a current quote for any coin or platform.

Spread that same hypothetical $2.50 across 20 payments in one batch and it's 12.5 cents per payment. CoinPayments' payment-settings guide says the merchant pays an outbound network fee once per batch. Batching trades a wait for fewer transfers.^[12]

CoinPayments' Fees API gives the current network fee for withdrawals and sends, so it isn't a fixed dollar tariff.^[11] Check the current fee for your currency and platform before choosing a schedule.

Which CoinPayments charges are easy to miss?

Conversion, wallet handling and account deadlines can erase a modest headline saving.

Converting every sale. A spread can sit inside the conversion rate as well as a named fee. CoinPayments lists a partner conversion fee plus network cost but no universal percentage. Ask how much of a sample payment reaches your chosen currency, after all deductions.

Gathering funds from different addresses. If your developer uses permanent customer deposit addresses, the integration guide says withdrawing can incur extra fees to gather the balances. A standard invoice flow and a custom deposit system may therefore have different bills.^[13]

Getting regular money into the bank. CoinPayments' homepage describes bank payout where supported and says partner services depend on availability, fees and jurisdiction. Its wallet's zero service fee doesn't price the bank leg.^[1] Ask for the partner, currency, minimum and total charge before relying on it to pay suppliers.

If you leave balances behind, note that the legal index links two agreements with different dormancy clauses.^[7]

Closing the account. Both agreements require you to claim and remove the balance within 30 days of closure. After that, an 8% recovery or return charge applies if its conditions are met, and recovery isn't guaranteed. Returning a closing balance can also deduct outstanding amounts and network and third-party charges.

Owing fees. Both Section 3.3 clauses set interest at the greater of 18% a year or the legal maximum, which is unusual wording, and the third-party collection charge at the lesser figure.^[9] We read these contract details on 11 October 2026.

What happens if a customer pays too much, too little or too late?

A problem payment can mean a smaller refund, so tell customers the amount and deadline before they send money. CoinPayments' docs say the buyer must cover the requested crypto amount and required network fees, and the displayed fiat equivalent excludes the network fee. Overpayment refunds cover the excess minus the chain fee, and there's no refund if the excess is smaller than that fee.^[10]

The checkout quote lasts 60 minutes. The timeout guide says funds confirmed after expiry enter the refund flow, even if the buyer sent them before the timer ended.^[14] That makes a last-minute transfer a customer-service problem as well as a cost.

Both agreements' Section 6.2 add contractual limits: refund claims within 90 days of receiving the funds, an amount at least twice the network fee, and funds still within the provider's control. Costs and third-party charges may also be deducted.^[8] The docs' one-network-fee excess rule and the contract's twice-fee requirement differ, so ask which applies to your claim.

For a wrong wallet, chain or missing destination tag, Section 6.3 permits an 8% manual recovery fee if recovery is possible. Contact must be within 90 days, unsupported currencies won't be recovered and small amounts may be declined. On a recoverable $2,000 transfer, 8% is $160, and recovery isn't guaranteed.

How do CoinPayments' fees compare with rivals?

CoinPayments' V2 coin floor is lower on processing alone, but the cheapest complete setup depends on costs these headline figures leave out. The table doesn't tell you whether you'd be eligible or what a full payout would cost.

	CoinPayments	CoinGate	NOWPayments	BitPay
Score	53/100 · #13	81/100 · #1	63/100 · #8	73/100 · #3
Payment fee	from 0.5%	1%	1%	2% + $0.25
Cost on $10k/month	$50.00	$100	$100	$225
Pays out to bank	Not stated	EUR, GBP, USD	EUR	AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD
Stablecoin networks	USDT: ERC20, BEP20, TRC20, Arbitrum, Polygon, Solana · USDC: ERC20, BEP20, Base, Arbitrum, Polygon, Solana · DAI: ERC20 · TUSD: ERC20, TRC20	USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum	USDT: TRC20, BSC, ERC20, Solana, Polygon · USDC: ERC20, Polygon, Solana · DAI: ERC20 · TUSD: Standard, TRC20 · USDP: ERC20 · BUSD: BSC · GUSD: ERC20 · USDD: TRC20 · PYUSD: ERC20 · USDE: ERC20	USDC: Ethereum, Polygon, Arbitrum, Optimism, Base, Solana · USDT: Ethereum, Polygon, Arbitrum, Optimism, Solana · PYUSD: Ethereum · GUSD: Ethereum · USDP: Ethereum · EURC: Ethereum · BUSD: Ethereum, Polygon
Coins	40	12	300	19
Custody	Custodial	Custodial	Custodial or non-custodial	Custodial
Merchant KYC	Required	Required	Not stated	Required
Rolling reserve	Not stated	Not stated	Not stated	Not stated
Licence	Unspecified EU licensing claim on the separate /home page; root does not repeat that heading. Entity, regulator, number, permissions and EU/EEA service restart unconfirmed.	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)	Not stated	Money transmitter (NMLS ID) (1496848); Virtual Currency Business Activity licence (NYDFS)
Plugins	WooCommerce, WHMCS	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce, WooCommerce (CoderPress WordPress.org package), WHMCS	WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce
Legal entity country	Not stated	Lithuania	Not stated	United States
Founded	2013	2014	2019	2011

CoinGate: its 1% leaves out an unpublished risk margin that its commercial policy adds to payment quotes without giving a size.^[16] Its pricing page labels withdrawals of crypto and SEPA to your own wallet or account free, with a EUR 50 minimum, but it's unclear whether crypto transfer costs are included. SWIFT is 0.50% with a minimum fee of EUR 50. Its fee breakdown covers those differences.

CoinGate also has account deadlines. Under Section 23, dormancy needs both 12 months without customer-initiated transactions and six months without answers to due-diligence requests. The charge is 2% weekly, minimum EUR 10, with no deduction during the first 350 days, and CoinGate may waive it on reactivation. Further claim provisions apply, with an immediate-deduction exception for dormant balances below EUR 10.^[17] Its help article still gives a conflicting 0.5% monthly tariff.^[19] For unsuccessful or suspended payments, the terms add 1% daily, waived if the refund is claimed and requested information supplied within 100 days.^[18] We read these clauses on 11 October 2026.

NOWPayments: we use its published 1% for same-currency payments and 1.5% for conversion, fixed-rate or fee-paid-by-user payments. The same Fees article still repeats 0.5% and 1% in its walkthrough,^[23] and the Integration Guide says 1% for fixed-rate payments.^[24] NOWPayments' fee guide explains the contradictions, so check your own settings and tariff. Standard crypto payouts have no service fee, but there's one network fee per external payout.^[25] Bank withdrawals go through a partner and come with conditions: you need Custody and a USDT-on-TRON starting balance, and other balances need conversion with its commission.^[26] We couldn't find the total bank cost.

BitPay: its 25 cents makes small baskets more expensive. On Bitcoin invoices, the customer also pays BitPay's Network Cost, which BitPay omits when the estimate is below both one cent and 0.05% of the invoice.^[21] Our BitPay fee guide covers bank payout and refund costs.

How can you pay less on CoinPayments?

Start with a rate you've confirmed, then cut avoidable transfers and mistakes. A lower processing percentage helps only if the rest of your setup is economical.

• Ask sales for your coin and token prices. Give monthly volume and typical order size, and request any discount bands and high-risk surcharge.
• Compare forwarding schedules. Nightly batching means fewer outbound transfers than ASAP. To Balance delays the transfer; it doesn't remove the eventual network cost.
• Compare networks. Use a current quote for the asset and network your buyers hold. A lower headline coin fee can lose its advantage if conversion is needed.
• Don't leave balances idle. Check which agreement covers yours and withdraw funds you no longer need.
• Make payment instructions clear. Name the network and any destination tag. Better instructions cost less than a recovery request.

Our processor selection guide helps you compare countries, currencies and bank needs before you choose.

Which CoinPayments price should you plan around?

Until you have an offer, plan around 0.5% for coins and 1% for tokens, with 3% as the other published scenario. None is a worst-case total. Add quoted network and conversion costs, then any bank charges, to see what reaches you.

On EU availability, the FAQ still says service ended after 1 July 2026, with no confirmed restart.^[6] The business landing page advertises EU licensing, but the entity, permissions and resumed service aren't confirmed.

For safety, support and eligibility, read our full CoinPayments review. To compare checkout choices, see the best crypto payment gateways and NOWPayments vs CoinPayments. If you're moving an existing shop, our CoinPayments alternatives page covers the practical switch.

CoinPayments fees FAQ

Change log: 11 October 2026, rechecked the sources and clarified the platform choice, contract-specific charges, who pays network fees and the comparison limits. 5 October 2026, first published.