Are You Really Paying What You Think You Are? “0.5% fees” or “No commission on Bitcoin payments” sounds great—but headline rates rarely equal total cost. Many providers present a base rate while other factors—network fees, conversion, withdrawals, or usage limits—affect the final bill. This guide breaks down advertised vs. real pricing, shows practical cost scenarios, and explains why OxaPay stands out as a transparent, low-fee pasarela de pagos criptográficos for real businesses.
Methodology & Last Reviewed
Pricing insights are based on publicly available pages and official documentation from each provider, reviewed in August 2025. Real-world costs can vary by network, coin, and volume; always confirm the latest terms before committing.
Why Fees Are Critical for Businesses
In crypto payments, a fee isn’t just an operational cost—it directly affects pricing strategy, profit margins, and long-term financial control. Even a small difference of 0.2% can have a significant impact:
For example, a business processing $500,000 annually would pay $1,000 more in fees at 0.6% compared to 0.4%. Over several years, that gap compounds.
The challenge is that most providers only highlight a base rate while other charges—withdrawal fees, conversion costs, instant settlement surcharges, or network-specific fees—are mentioned deep in documentation or left unclear.
Judging gateways by the advertised rate alone can be misleading. A 0.5% headline fee may look better than 0.7%, but if it comes with unclear withdrawal terms or variable network charges, the real cost may be higher. Without transparency, businesses face unpredictable expenses and reduced pricing flexibility—making the choice of a truly transparent low-fee crypto payment gateway essential.
Advertised vs. Real Fees: A True Gateway Comparison
Pricing can look simple at first glance, but base rates often don’t tell the full story.
The table below is compiled directly from each provider’s official pricing pages and documentation, reviewed in August 2025. No third-party estimates or assumptions were used for the advertised base rates.
While the base rates are taken from official sources, real transaction tests—such as the one we conducted with NOWPayments—show that actual costs can differ from advertised figures. This makes live testing an important step before committing to any gateway.
Comparing the Top Crypto Payment Gateway for Businesses
OxaPay From 0.4% ▾
Pagos con monedas 0.5% ▾
Pagos NOW 0.5% ▾
Puerta de la moneda 1% ▾
Pago por bit 1% ▾
OpenNode 1% ▾
Crypto Payment Gateway Cost Analysis for Businesses
Pagos con monedas
- Advertised base rate: 0.5%
Documentation shows a fixed withdrawal fee per payout plus separate conversion costs without clear breakdowns. Pricing details are scattered, making total cost estimation difficult for non-technical merchants.
Bottom line: Accessing core details is cumbersome; real costs may be higher than expected.
→ View official página de precios
Pagos NOW
- Advertised base rate: 0.5%
Final fees vary significantly by coin, network, and method. For example, USDT on TRC20 differs from USDT on ERC20, and networks like TON or Polygon may add extra charges.
Practical test (August 2025): A live transaction resulted in a higher fee than advertised, likely due to network and service charges not clearly disclosed on the pricing page.
Bottom line: Without testing, it’s difficult to predict exact costs; real-world fees can exceed expectations.
→ View official página de precios
Puerta de la moneda
- Advertised base rate: 1%
Appears flat-rate, but advanced tools (API, instant withdrawals) may involve extra costs. Discounts are only offered to enterprise clients after negotiation.
Bottom line: Non-enterprise users may face unclear or incomplete cost information.
→ View official página de precios
Pago por bit
- Advertised base rate: 1%
No public breakdown for withdrawals, conversions, or optional features like instant settlement. Merchants mainly see the headline fee without clarity on inclusions or exclusions.
Bottom line: Clean interface, but limited cost transparency. - → View official pricing página
OpenNode
- Advertised base rate: 1%
Lacks detailed breakdown for withdrawals, settlements, API use, or conversions. Merchants must contact support for full clarity.
Bottom line: Difficult to forecast total costs without direct inquiry.
→ View official página de precios
Por qué es importante
Attractive base rates can be appealing, but without full cost transparency, those numbers can be misleading. If a gateway doesn’t make it easy to see the total fees for each service—network charges, conversions, withdrawals—financial planning becomes guesswork. Clear, predictable pricing is essential for setting accurate margins and avoiding unexpected expenses.
In the next section, we’ll look at how OxaPay addresses these challenges with a transparent and predictable fee structure, making it a practical low-fee crypto payment gateway for real business operations.
Why OxaPay is the Best Low Fee Crypto Payment Gateway
Low fees matter—but only if they represent the true cost of using the gateway. The real advantage is knowing your total cost upfront, with no unexpected surcharges. OxaPay delivers exactly that, making it one of the most predictable and business-friendly options in the market.
✅ Transparent Base Rates (From 0.4%)
OxaPay clearly lists all service fees in advance. For many services, the rate can go as low as 0.4% without requiring special enterprise contracts. This figure is a public, ongoing rate—not a limited promotion.
✅ Clear, Public Pricing for Every Service
From invoices and payment links to static wallets, POS, withdrawals, and crypto conversions—each cost is openly documented. Merchants can plan accurately without contacting support for clarification.
✅ No Additional Gateway Fees
OxaPay does not add extra charges for instant withdrawals, API calls, or webhook usage. Only standard blockchain network fees and clearly stated conversion costs apply.
✅ Free and Flexible Auto-Settlement
Merchants can automatically settle incoming payments into another cryptocurrency (e.g., USDT to BTC) at no extra gateway fee. Network and conversion fees are shown upfront. Fiat settlement is not currently offered.
✅ Scalable for Any Volume
Volume-based discounts are available without “Enterprise-only” limitations. Finance teams can maintain accurate forecasts and protect margins, whether handling dozens or thousands of transactions per month.
→ View official página de precios
Why Low Fees Aren’t the Whole Story
Low Fees Matter, But Don’t Stop There—Other Features to Consider
A low base rate is important—but on its own, it’s not enough. The most effective crypto payment gateways also deliver stability, security, and flexible payment options. Without these, the indirect costs to your business—in time, lost sales, and operational risk—can outweigh the benefit of a low fee.
1. System Stability & Real-Time Processing
For businesses relying on a pasarela de pagos criptográficos, downtime means lost revenue. OxaPay’s scalable microservice architecture ensures high uptime and smooth performance. Transactions are processed instantly, with blockchain confirmations tracked live for full transparency.
2. Fast and Flexible Settlements
OxaPay supports both instant and scheduled withdrawals in cryptocurrency, without extra gateway fees. Merchants can send payouts to personal wallets or directly to exchange accounts. Fiat conversion is not currently available. Standard blockchain network fees apply.
3. Multi-Coin & Multi-Network Support
More options mean more successful payments. OxaPay supports over 20 major cryptocurrencies—including Bitcoin, Ethereum, USDT, and others—across multiple networks like ERC20, TRC20, BEP20, Polygon, TON, and Solana. Merchants can enable or disable specific coins in their dashboard.
4. Advanced Management Dashboard
Merchants have access to detailed analytics with filters, charts, transaction search, and export capabilities—ideal for financial reporting and real-time monitoring.
5. Multiple Payment Methods
OxaPay’s crypto payment gateway offers multiple payment methods to suit different types of businesses, from online stores to in-person vendors.
- Factura generation with QR codes and countdown timers
- Direct enlaces de pago
- Direcciones estáticas for permanent, dedicated customer wallets
- Merchant POS for in-store crypto payments
- Plugins de pago for platforms like WooCommerce, WHMCS, Blesta, and more
- White-label gateway solutions for brand-specific payment systems
6. Developer & Platform Integration
Official plugins are available for popular platforms. A complete API and webhook documentation library allows developers to build custom integrations without feature limitations.
7. Enterprise-Grade Security
OxaPay provides IP allowlisting for withdrawals and admin access, along with real-time alerts for suspicious activity via email, Telegram, or webhook.
8. Smart Handling of Incomplete or Expired Payments
Merchants can use tools like Auto Convert, Mixed Payments, and Incomplete Payment Recovery to handle underpaid or late transactions efficiently.
9. Comprehensive Documentation and Support
Detailed documentation, API guides, code samples, and responsive support are available directly within the merchant dashboard.
Ready to Start with OxaPay?
Comenzar a utilizar OxaPay es sencillo:
- Inscribirse for free in minutes
- No complex documentation required
- Access full onboarding guides and API documentation
- Integrate with your existing systems using plugins or API
Action Step: Create your account, review the documented rates in your dashboard, and run a small test payment to verify the actual fees and process before going live.
Cómo aceptar pagos criptográficos en su sitio web con OxaPay
Conclusión
A low-fee crypto payment gateway is only valuable if its pricing is truly transparent. OxaPay combines competitive base rates—from 0.4%—with clear documentation, no unexpected gateway charges, and practical tools for managing every stage of crypto payments.
By giving merchants full visibility on costs and offering flexible features like multi-network support, instant withdrawals, and advanced payment management, Pasarela de criptomonedas OxaPay reduces uncertainty and helps protect profit margins. For businesses seeking both affordability and predictability, it delivers a clear, dependable option in the crowded payment gateway market.
