A crypto payment can involve several independent costs: a gateway commission, a blockchain network fee, a merchant subscription and optional exchange or conversion charges. A claim of zero gateway commission does not make all those other costs disappear.
Start with the amount that settles
Coinvay currently deducts no percentage commission from ordinary merchant invoice transfers. The checkout asks the customer to send the quoted amount directly to the receiving wallet. The network fee is normally paid separately by the sending wallet and is not the same thing as a Coinvay service charge.
As an illustration, imagine an invoice quotes 25.000321 USDC. The buyer must transfer that exact amount and also have the network’s fee asset available. Sending 25 USDC after deducting a withdrawal fee will not match the quote merely because the invoice was originally priced near 25 dollars.
Look beyond one transaction
A paid merchant plan may provide capacity or additional capabilities. Compare the plan cost against your actual invoice volume and needed features. A business sending a few manual links has a different cost profile from a high-volume store requiring automated callbacks.
Network fees also vary with the route and current conditions. Ethereum, Base and Polygon do not share one universal fee schedule. Exchange withdrawal charges may include a service charge above the chain fee. Check the final withdrawal or wallet confirmation screen instead of using an old article’s fixed number.
Compare a realistic basket of payments
Build a small worksheet with expected invoice count, average order value, plan fees, customer gas friction and any conversion needs. Include time spent handling mismatches and support. A percentage-fee provider can sometimes include services that a direct-wallet product leaves to the merchant, so compare the actual bundle rather than one headline.
Practical checklist
- Ask who pays network fees and in which asset.
- Separate merchant-plan cost from transaction commission.
- Test the final received amount when paying from an exchange.
Common questions
Can a zero-commission gateway still have paid plans?+
Yes. Transaction commission and subscription pricing are different revenue models. Coinvay’s current plan names, included features and prices are shown on its pricing page and in the merchant workspace.
Is gas deducted from the token amount?+
For an ordinary token transfer it is generally paid in the network’s fee asset, but a wallet or withdrawal service may present its own charging options. Review the final instruction carefully so the recipient receives the exact quote.
Sources and further reading
Primary references and Coinvay product documentation. Check the linked pages for current details.
AI-assisted drafting, published by Coinvay. Examples are illustrative. Read our editorial approach.