One fee. No surprises.
Every transaction costs the same. No tiers, no negotiations, no hidden charges.
per transaction
How we compare
MutoPay is the lowest-cost crypto payment gateway. And unlike card networks, there are zero chargebacks.
| Provider | Fee | Conversion | Custody |
|---|---|---|---|
| MutoPay | 0.25% | DEX aggregation | Self-custody |
| NOWPayments | 0.5 – 1% | CEX aggregator | Non-custodial |
| Coinbase Commerce | 1% | Uniswap (DEX) | Self or managed |
| BitPay | 1 – 2% + $0.25 | Partner CEXs | Fully custodial |
| Card Networks | 1.5 – 3.5% | N/A | Third-party |
Why our fee is the lowest
Most crypto payment gateways route transactions through centralized exchanges — custodial infrastructure that adds cost and counterparty risk. MutoPay works differently.
DEX-powered routing
Every swap and bridge runs through decentralized exchanges via Li.Fi aggregation. Your transactions execute on-chain through smart contracts — not through a centralized orderbook we control. This means better rates, transparent execution, and no intermediary markup.
Direct to your wallet
Funds settle directly from the DEX to your wallet address. MutoPay never holds, pools, or custodies your money. No withdrawal process, no pending balances, no platform risk. You control your funds from the moment they arrive.
Cross-chain, one fee
Whether your customer pays with ETH on Ethereum, SOL on Solana, TON on Telegram, or USDT on Tron — the fee is always 0.25%. All 10 chains, cross-chain bridges, and multi-hop swaps are included. Most competitors don't cover non-EVM chains at all; we do, at the same flat rate.
On-chain verifiable
Every transaction is visible on the blockchain. You don't need to trust our settlement reports — verify them directly on any block explorer. Full transparency, by design.
What you don't pay
Common questions
Are there any hidden fees?
No. You pay 0.25% per completed transaction. Network gas fees are paid by the customer as part of their transaction, not charged to you.
How does DEX routing keep costs low?
We route swaps through decentralized exchanges instead of centralized ones. This eliminates custodial overhead and intermediary markups. Li.Fi aggregates across multiple DEXes to find the best rate for each transaction.
Is there a free trial?
You don't need one. There are no monthly fees or commitments. Create an account, integrate, and you only pay when you receive payments.
Do you offer volume discounts?
For merchants processing over $100,000/month, contact us to discuss custom rates.
What currencies can I settle in?
USDC, USDT, DAI, or native TON — on any of the 10 supported chains. You choose your preferred stablecoin and destination chain in your dashboard settings.
Start accepting crypto at 0.25%
No sales calls, no approval process. Create an account and integrate in minutes.