# Stablecoin payment gateway fees compared | Cosmos Pay

URL: https://payments.cosmospay.lat/compare

> Cosmos Pay’s rate for each service next to a known provider’s published rate, with a link to their pricing page and the date we read it.

## How our fees compare

Cosmos Pay’s rate for each service next to a known provider’s published rate, with a link to their pricing page and the date we read it.

Updated November 2, 2026

### Our rates next to published ones.

Each Cosmos Pay rate is at most 75% of the rate it sits next to here: BitPay’s for payments, MetaMask’s for swaps, RAILGUN’s for private payments and Escrow.com’s for protected payments.

| Service | Cosmos Pay | Published rate | Source |
| --- | --- | --- | --- |
| Payments | 1.5% + 18¢: Starter, no monthly fee | BitPay 2% + 25¢: Monthly volume under $500,000 | [bitpay.com](https://www.bitpay.com/pricing) |
| Payments | 1.12% + 18¢: Essentials, plus $33 a month | BitPay 1.5% + 25¢: Monthly volume from $500,000 to $999,999 | [bitpay.com](https://www.bitpay.com/pricing) |
| Payments | 0.75% + 18¢: Growth, plus $99 a month | BitPay 1% + 25¢: Monthly volume of $1,000,000 or more | [bitpay.com](https://www.bitpay.com/pricing) |
| Swaps | 0.65%: On Starter, down to 0.07% on Enterprise | MetaMask 0.875%: MetaMask fee per swap | [support.metamask.io](https://support.metamask.io/trade/swap/user-guide-swaps/) |
| Private payments | 0.18%: Per transaction, on testnet for now | RAILGUN 0.25%: Per shield and per unshield | [docs.railgun.org](https://docs.railgun.org/wiki/learn/railgun-deductions) |
| Protected payments | 1.95%: Per payment, on top of the plan’s rate | Escrow.com 2.6%: Up to $5,000 per transaction, $50 minimum; lower rates on larger amounts | [escrow.com](https://www.escrow.com/fee-calculator) |

Published rates as each provider’s page showed them on October 31, 2026.

BitPay’s page says higher fees apply in high-risk industries, and it lists no monthly fee; Essentials and Growth have one.

With Cosmos Pay the payer’s wallet pays the network fee; on Monad the relay’s fee for forwarding a payment is deducted from it.

#### Beyond the rate: Cosmos Pay and Stripe’s stablecoin payments

What changes for a business that takes stablecoins, as Stripe’s documentation states its terms.

| What | Cosmos Pay | Stripe stablecoin payments |
| --- | --- | --- |
| Businesses that can accept it | Businesses in Latin America and worldwide | Businesses in the US; in private preview in the EU, Hong Kong, Mexico and Switzerland |
| Where a payment settles | Your own wallet, in the stablecoin your customer paid (on Monad, through a deposit address that can only forward it to yours) | Your Stripe balance, in your local currency |
| Stellar and Monad | Yes, besides Solana: USDC, EURC and USDT0 on Stellar, USDC on Monad | No: USDC on Tempo, Ethereum, Solana, Polygon and Base |

Stripe’s terms as its documentation stated them on November 1, 2026. [docs.stripe.com](https://docs.stripe.com/crypto/stablecoin-payments)

- [Work out your fees](https://payments.cosmospay.lat/fees)
- [Compare plans](https://cosmospay.lat/pricing)

### Start accepting stablecoins.

Create a free account, mint a test key and send your first payment link today.

[Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments)

#### Write to us

Questions about plans, integration or protected payments? Tell us and we will reply by email.

[organization@cosmospay.lat](mailto:organization@cosmospay.lat)