Card processing trained merchants to expect one number: 2.9% plus thirty cents, everywhere, forever. Crypto payments price differently: a platform fee that falls with volume, a swap fee when assets convert, and a network fee set by the chain, not by the processor. This guide lines them up so you can compare honestly.
Every step, in order.
U.CASH Pay charges 0.50% at the entry tier, stepping down to 0.20% with volume. No monthly fees, no statement fees, no PCI compliance costs.
If the customer pays the asset you keep, there is no swap. If they pay BTC and you keep a stablecoin, the conversion adds the swap fee: 0.50% all-in.
The chain's own fee rides on the transaction. On L2s and Solana this is cents or less; on Ethereum mainnet at peak it can be dollars. The checkout quotes it live.
Effective card cost is the processor rate plus chargebacks plus the monthly line items. Effective crypto cost is platform fee plus swap when used plus network fee. Run both on your real volume.
Local payout rails carry their own costs, and cards remain an option alongside crypto on U.CASH Pay: through your own processor account, at your negotiated rate.
Most merchants find crypto wins on large tickets and cross-border, cards win on sub-$10 domestic habit purchases. Enabling both lets the customer economics decide.
The fee that surprises merchants is not the platform fee: it is discovering how much of their card cost was never in the rate. Chargebacks, the monthly minimums, the gateway fee, the cross-border surcharge: the crypto equivalent of each is either zero or quoted in the open. The fee that surprises merchants the other way is network cost on mainnet at congestion, which is why checkout defaults to efficient chains where the customer's wallet allows. The honest comparison models both stacks on your own volume mix: the pricing page carries the current tiers to run it.
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Six guides, one platform, every rail non-custodial.