Payment Gateway Fee Calculator
Cards + crypto, both priced competitively. Same-day payouts.
Merchant-of-Record. Handles global tax — at MoR pricing.
Crypto-only gateway. No card acceptance.
The card processing standard. Strict underwriting.
POS-first, online included. No chargeback fee.
Consumer trust on checkout. Highest list rate in this set.
| Feature | Stripe | PayPal | Square | NowPayments | Dodo Payments | PayRam |
|---|---|---|---|---|---|---|
| High-risk friendly | — | — | — | ✓ | — | ✓ |
| Accepts cards | ✓ | ✓ | ✓ | — | ✓ | ✓ |
| Accepts crypto | — | — | — | ✓ | ✓ | ✓ |
| Same-day payouts | — | ✓ | ✓ | — | — | ✓ |
| No chargeback fees | — | — | ✓ | ✓ | — | ✓ |
| Auto-fiat conversion (no markup) | — | — | — | — | ✓ | ✓ |
| Global tax & compliance handled | — | — | — | — | ✓ | — |
| No monthly minimum | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Estimates based on published list rates. Get an exact quote →
Not sure which gateway is right for you?
We're independent payments specialists. Send us your numbers and we'll help you choose the best gateway for your business — free, no commitment.
Talk to a specialist →Frequently asked questions
The most common questions merchants ask before picking a processor.
How are these payment processing fees calculated?
Each provider's fee is its published list rate applied to the volume you enter. For cards we use percent + fixed-fee math (e.g., Stripe is 2.9% + $0.30 per transaction). For crypto rails we use the provider's percentage on transaction volume, plus any auto-conversion markup. Monthly minimums, if any, top up the total when the variable portion falls short. The breakdown is shown beneath each provider card so you can audit the math.
Why do Stripe, PayPal and Square reject high-risk merchants?
Mainstream card processors operate under acquiring bank agreements that exclude entire MCC (Merchant Category) codes — iGaming, adult content, forex/CFD trading, crypto exchanges and CBD are the common ones. The reasons are regulatory exposure, fraud rates, and chargeback risk. These restrictions are policy, not pricing — even if your business is profitable and clean, Stripe won't onboard you if your category is on their prohibited list.
For those merchants, crypto-native gateways and high-risk-friendly processors are the standard path.
What does 'covers only X% of your payment mix' mean?
If you set the payment mix slider to 80% cards / 20% crypto and pick a crypto-only processor like NowPayments, that provider can only serve the 20% crypto portion of your volume — it has no way to accept card payments. We surface the coverage gap so the lower headline fee isn't misleading. A 'cheapest' label only attaches to providers that cover 100% of your selected payment mix.
Is auto-converting crypto to fiat actually free with PayRam?
PayRam settles crypto receipts to fiat at no additional markup beyond the standard 0.5% transaction fee. NowPayments charges an extra 0.5% for the same auto-conversion (1% effective rate on crypto when fiat settlement is enabled). Dodo Payments includes conversion in its MoR pricing but the all-in rate is materially higher. The 'Auto-convert crypto to USD' toggle in the calculator reflects this difference in the math.
Why is Dodo Payments so much more expensive than NowPayments or PayRam?
Dodo Payments operates as a Merchant of Record (MoR), meaning it handles global sales-tax registration, VAT/GST collection, fraud screening, customer-facing receipts, refund infrastructure and compliance. You're paying for an outsourced finance back-office bundled into the transaction fee. For some businesses that's worth 5% — for many, it's not.
These estimates use list prices. Can I negotiate a lower rate?
Yes — at scale. Stripe, Adyen and similar processors will move to interchange-plus pricing for merchants doing roughly $1M+/month. Negotiated rates typically run 0.5-1.5% lower than list. Crypto-native providers have less room to negotiate because their margins are already thin. The calculator uses list rates so you have a defensible starting point; if you'd like a tailored quote, use the 'Get an exact quote' link.
Do same-day payouts actually matter to a small merchant?
If you process $100k/month and your standard payouts arrive at T+2, you're financing $6,667 of in-transit money continuously. At a 12% cost of capital that's about $800/year. At $500k/month it's $4,000/year. Same-day payout is real money — it's just hidden in the working-capital line, not the fee line. Our Payout Timing tool quantifies this separately.