Crypto Payment Fee Calculator: Estimate Your Monthly Costs

How do you use the crypto payment fee calculator?

Enter your monthly crypto sales and average order size to compare the estimates below. Count only the sales customers will pay through this gateway, not your shop's whole turnover. Then change the basket size to see what more frequent payments do to the subtotal while total sales stay the same.

Check availability first. As of 11 October 2026, NOWPayments' terms exclude residents or citizens of the EU, UK, US and UAE, and anyone located in or resident in Russia, so its row only illustrates the price for eligible users and isn't a recommendation to sign up from those markets.^[16]

These are fee estimates, not quotes. The model can add published conversion-spread and withdrawal fees, but we don't know any selected provider's spread, and only B2BinPay and Confirmo have an explicit 0% withdrawal service fee. For the rest we don't know the withdrawal fee either. Minimum commissions, network and bank charges, conversion or risk margins, application or account fees and exceptional costs are all left out. Unknown isn't free. The defaults are $10,000 in monthly sales and $100 orders, one tier applies to the whole illustration, and the annual figure is that month repeated twelve times. The tool doesn't pick an asset, region or bank for you, so read the matching row's conditions below the subtotal.

Which published rate does each row use?

Each row uses one published product or plan, so make sure it matches your offer before you compare the bars. A rate open to an existing approved merchant might not be open to you as a new applicant, even if you sell the same products at a similar volume.

For Coinbase, current payment-link help tells new merchants to look up fees in their account.^[7] The row keeps the old Commerce brand name, but that checkout is no longer available, and our Coinbase fee guide explains the change.

NOWPayments' main pricing page currently shows 1%, which backs the same-coin headline rather than the old 0.5% search snippets.^[14] Identity and business discounts can together bring same-coin fees down to 0.5%, but the calculator uses the standard rate. Our NOWPayments fee guide covers the discounts, the conflicting fixed-rate guidance and network deductions.

BVNK's total is blank because it prices each client, not because it's free. It publishes eligibility for businesses processing at least $500,000 a month with six months of operating history,^[23] and sliding the volume below that doesn't create a small-business offer.

How is the estimated fee calculated?

The calculator multiplies your sales by the published percentage, adds any fixed charge for each estimated payment, then adds any published withdrawal fee. Unknown extras stay out of the result, so you'll need to add them yourself. It uses no made-up exchange rate and no live blockchain-fee feed.

Average order size turns the sales total into an estimated payment count. At $10,000 with $100 orders, there are 100 payments. The same sales with $20 orders means 500 payments. That's why you need both numbers to compare a percentage-plus-fixed tariff.

For example, 1% of $10,000 is $100. A 2% rate plus $0.25 across 100 payments is $200 plus $25, or $225, which works out to an effective rate of 2.25% on $10,000. That's the modelled subtotal, not every cost of accepting crypto.

1. 
   01

   Start with paid crypto sales

   Use a representative month and the sales you expect this gateway to handle.

2. 
   02

   Check the average basket

   Divide those sales by paid orders, then choose the closest order-size option.

3. 
   03

   Match the provider's rate

   Make sure the row's product, asset, volume band and eligibility match your account before you trust its subtotal.

4. 
   04

   Finish the budget

   Add your quoted conversion, withdrawal, network and account costs on top.

An average still works when orders vary, but it can hide a minimum charge on small payments. If you sell both cheap downloads and expensive equipment, ask for a quote on that mix as well as the average, to see whether the small orders pick up charges the monthly calculation misses. The processor selection guide covers the wider integration and approval questions.

Why do smaller orders change the result?

Smaller orders mean more payments, so a fixed per-payment fee takes a bigger share of the same monthly sales. A percentage-only fee stays level as order size changes, but network costs or fee minimums that the bar leaves out can still make small payments expensive.

This hypothetical shop uses BitPay's published starting tier and assumes an approved standard-rate account. The receipt covers the fee only, and its net amount is what remains after it.

At the calculator's $10,000 volume, $20 orders mean 500 payments and $325 in BitPay fees, while $100 orders mean 100 payments and $225. The $100 difference is all fixed charge. The BitPay fee guide covers the other deductions to budget for.

The chart below repeats the model at $10,000 a month, again for fees only. B2BinPay's line uses coins, Confirmo's uses its Irish invoicing tariff, and every rate needs an approved account. The BitPay curve shows the fixed charge taking a bigger share of small orders.

What happens when monthly sales increase?

Higher sales raise the fee in dollars, even if a volume tier lowers the percentage. A lower rate isn't a lower bill.

The table uses $100 orders and BitPay's published tiers, with one tier applied to the whole month. It leaves out application, conversion, network and bank costs, and doesn't replay a month of invoices one by one.

BitPay says rates adjust with cumulative monthly paid volume.^[1] The calculator picks the tier that matches your monthly input and applies it to every sale. In a month that crosses a threshold, some payments could be charged at more than one rate, so ask BitPay how your own invoices would be charged.

Asset choice matters too. The B2BinPay row uses the first matching coin band, including the lower band at a shared boundary, so at exactly $1 million it still shows 0.40%. It doesn't model a mixed-asset month or switch to stablecoins when you move the slider. Annual totals assume twelve identical months, so they won't predict seasonal changes in your fee tier.

The main calculator rounds dollar subtotals to whole dollars and rates to two decimals, while a receipt can show cents. A tiny difference on screen isn't a reason to pick a provider while other charges are unknown.

Which extra costs can change the comparison?

Conversion, transfers and account charges can eat into an apparent saving even when the fee arithmetic is right. Follow your money through: what customers pay, what the provider credits and what your bank receives are three different amounts, and the provider should be able to explain any gap your quote doesn't.

A conversion margin can shrink what you receive without showing up as a fee line. Coinbase's liquidation help says fees and spread apply.^[8] CoinGate's 1% manual-exchange fee doesn't apply to automatic checkout conversion, but its Commercial Policy still builds a risk margin into payment quotes. So don't add the manual fee to every automatic conversion, and don't assume the margin is zero.^[12]

The next example is in euros, for a hypothetical approved CoinGate Standard merchant, and doesn't tie back to the calculator's dollar figures. No dollar-to-euro rate is assumed, and quote margins, network deductions and recipient-bank charges aren't in it.

A minimum withdrawal amount is a balance you need to have, while a minimum fee is a charge. CoinGate's €50 own-bank or wallet withdrawal floor is the smallest amount you can move, not the €50 SWIFT fee.^[13] B2BinPay lists €5,000 and $5,000 bank-withdrawal minimums plus charges that depend on the bank route, and its 0% outgoing crypto service rate leaves those bank fees out of this model.^[17]

Network costs depend on who pays them. BitPay's Bitcoin Network Cost is charged to the shopper on top of the shopper's own sending fee.^[4] That can change what checkout costs a customer even though it doesn't reduce your fee subtotal. Our CoinGate fee guide explains its withdrawal, conversion and refund fees one by one.

Does the receipt tell you when money reaches your bank?

No. The receipt's net amount is sales minus the modelled fees and says nothing about when money reaches your bank. Left-out deductions, minimum balances, conversion and checks can all stand between that figure and usable cash.

Settlement is a different step from accepting the customer's payment. BitPay publishes business-day settlement issuance, with minimums and later bank-transfer timing.^[5] CoinGate's weekly Standard schedule says how often it settles, and your bank may credit the funds on another day.

NOWPayments' bank payout comes with many strings: its terms describe EUR-only withdrawal through a third party, require Custody and a starting USDT balance on TRON, and allow extra business checks by the partner. Other balances have to be converted at a commission shown in your account. We couldn't confirm current approval, the full price, the minimum or the arrival time.^[16]

What should you ask for in a written quote?

Ask each provider for one offer covering your own order mix and the whole path from checkout to your bank. A cheap percentage with an unpriced conversion step is hard to compare with a fully specified offer, especially when you don't yet know which currency you'll receive or how often you'll transfer money.

Before comparing totals, make sure each quote uses the same sales, baskets, assets and bank currency, and keep one-time application charges apart from recurring costs. BitPay's application charge is mandatory and has no listed amount. B2BinPay's terms allow an onboarding fee and, if a transaction is returned after a Payment Review, the expenses incurred plus $50–$100 per returned transaction.^[18] Those review charges aren't part of an ordinary withdrawal tariff.

Confirmo's Irish settlement service is 0%, though crypto network or receiving-bank costs may still apply. Its replacement schedule adds a $100 mispayment recovery charge from 1 November 2026, which isn't a current fee.^[21] Save the schedule in force alongside the offer.

Once the offers match, use the full gateway ranking to weigh support, settlement and eligibility alongside price.

Can every merchant use the displayed rates?

No. Whether a displayed rate applies to you depends on the product, your company type, your location and which assets you're approved for. An estimate is no permission to open an account.

BitPay currently pauses onboarding for new EEA, UK and Australian merchants.^[3] Coinbase Business's US agreement names C corporations and multi-member LLCs, with other types at Coinbase's discretion, and says nothing about the contract rules in Singapore.^[9] The BitPay review and Coinbase Business review cover the wider limits.

B2BinPay's El Salvador policy restricts US and Canadian residents and companies, while its footer mentions exemptions. The two conflict, so neither the footer nor the rate means you'll get access. Confirm you're lawfully eligible and which company you'd contract with before integrating.^[25]

Asset availability can change too. In its 8 October 2026 opinion announcement, ESMA says MiCA-authorised providers should stop services involving non-compliant stablecoins for EU clients, with limited, time-limited and supervised continuation for existing exposures.^[24] That isn't a worldwide stablecoin ban. Which assets you can use depends on the contracting entity, your location, the token and the service. This is general information, not legal advice.

Crypto payment fee calculator FAQ

Change log: 14 October 2026, clarified B2BinPay's policy and the limits of the estimates, and updated the standard fee schedule and the account discounts, which depend on conditions. The conflicting fixed-rate guidance is still noted. 11 October 2026, first published, with the rate assumptions checked against primary sources.