A search for a low-fee gateway usually starts on the card side, where a quoted rate bundles interchange, scheme fees, and the acquirer's margin into one number. The providers compared here do a different job. They take a stablecoin or crypto payment from your customer and turn it into money in your own bank account. If you need card processing, none of them is the answer, and a rate from this category will not compare like for like against one from that one.

EukaPay is the recommendation for a business that wants pricing agreed against its own volume rather than read off a published page. This guide compares EukaPay, BitPay, CoinGate, and NOWPayments on three criteria: how the headline rate is set, what the exchange rate does at the moment of conversion, and what it costs to pay money out again.

Crypto payment gateway fees are rarely one number. They are a headline percentage, a network cost the blockchain charges, and whatever it costs to turn the balance into bank money or send it on to someone else. Comparing only the first of those is how the lowest headline rate can end up being the most expensive option. The wider

crypto payment gateway comparison

covers the criteria beyond price.

This is the number in the marketing. Two shapes are common. A flat rate charges the same percentage whatever you process, which is simple to model and does not improve as you grow. A tiered rate falls as monthly volume rises, which rewards scale but means your effective cost can change month to month. A third shape exists, and it is the one EukaPay uses: pricing is volume-based and agreed with the EukaPay team during onboarding.

Every on-chain payment carries a network fee paid to the blockchain. That fee is set by the network, it moves with network conditions, and it differs by asset and network, so the same payment can cost noticeably more on one chain than another. A rate that describes only the gateway's own charge is therefore not your total cost. Asset and network coverage belongs in the pricing question, which is why

multi-chain asset coverage

is worth reading alongside a fee comparison.

The last cost is the one buyers check last. Some providers price the crypto-to-fiat conversion separately from acceptance. Some charge per withdrawal, and some charge a percentage on international bank transfers. If you also pay suppliers, affiliates, or contractors out of the same balance, the payout side carries its own pricing and can matter more to your annual cost than the acceptance rate does.

Refer to the websites for current information.

EukaPay's pricing is volume-based and agreed with the EukaPay team during onboarding, which is why there is no rate card here to read off. BitPay publishes three volume tiers with a per-transaction charge attached to each. CoinGate publishes a flat standard rate and moves larger accounts onto custom pricing. NOWPayments publishes a single service fee, with network and on-ramp costs described separately. Published numbers help you model a month; what they cannot do is tell you what your own mix of assets, volume, and payouts will cost, which is the number a EukaPay quote is built from.

EukaPay suits a business with real volume on both sides: money coming in from customers and money going out to suppliers, affiliates, or contractors. The locked exchange rate means the fiat value is fixed at the moment of payment, so the amount you were quoted is the amount the conversion uses.

A merchant processing a small, predictable amount each month may find a published flat rate simpler to reason about, because there is nothing to negotiate and nothing to model. A merchant crossing a high monthly threshold can reach a lower tier on a tiered rate card, though the saving only arrives in the months the threshold is met. Neither shape changes what the blockchain charges, and neither one prices the payout side in the same breath as acceptance. That is the gap EukaPay closes by quoting against the volume you actually run.

The same EukaPay account handles instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Payouts go out in USDC, USDT, ETH, and BTC across the Ethereum, Tron, and Bitcoin networks, and they are not tied to banking hours or the banking calendar.

If price is the criterion you are shortlisting on, the comparison that matters is the full cycle: accept, convert, settle, and pay out. EukaPay prices that cycle against your own volume, so the number you compare is the number you would pay.

Create an account at

app.eukapay.com/signup

to start onboarding and get pricing quoted by the EukaPay team. Developers (or coding agents) can read the invoice, subscription, payout, balance transfer, and customer endpoints at

docs.eukapay.com

in the meantime.

What is the cheapest crypto payment gateway?

The lowest headline rate is often not the lowest total cost. BitPay, CoinGate, and NOWPayments publish rates between 1% and 2%, and the network fee, the conversion, and the payout side land outside that number.

Are crypto payment gateway fees lower than card fees?

Compare the full cost rather than the headline percentage. A card rate bundles interchange, scheme fees, and the acquirer's margin, and the cost of a reversal can land later. A crypto rate covers the gateway's work, with the network fee charged by the blockchain.

Who pays the blockchain network fee?

The network fee goes to the blockchain, not to the gateway. Which side of the transaction carries it depends on the asset, the network, and how the payment is set up.

Does EukaPay publish its rates?

No. EukaPay does not publish a public rate card. Pricing is volume-based and agreed with the EukaPay team during onboarding.

How does a locked exchange rate affect what I receive?

EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. The fiat value is fixed at the moment of payment, so a price move after that does not change it.

Which cryptocurrencies can I accept with EukaPay?

Pay-ins support most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT, and more. Payouts are sent in USDC, USDT, ETH, and BTC on the Ethereum, Tron, and Bitcoin networks.

How do I fund the payout balance?

Two ways. Transfer from your account's main balance, or make a fiat deposit.

Can I settle in my own currency?

Yes. Fiat settlement reaches your own bank account in USD, EUR, GBP, CAD, and other currencies, and you can choose crypto settlement instead.