BitPay vs OxaPay: crypto payment gateway fees compared
Updated 2026-11-10 · listed A to Z, not ranked
BitPay and OxaPay are hosted crypto payment gateways: a business shows a checkout or invoice and the customer pays in crypto. This page puts the fees each one publishes side by side.
Every figure is quoted from the official pricing page, read on Nov 10, 2026. Network fees, conversion and payout fees can apply on top. We don’t rank them or pick a winner.
- Published processing fee
- 2% + $0.25 per transaction under $500,000 a month
- Lower rates
- 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries)
- Withdrawals, payouts and network fees
- Daily fiat settlement to your bank; settle in local currency, crypto or a mix
- Coins
- Bitcoin, Bitcoin Cash, Ethereum, Dogecoin, USDC and other listed coins
- Published processing fee
- 1.5% per transaction (payment links, merchant invoices, donations)
- Lower rates
- Can be reduced to 0.4% depending on your business (via your account manager)
- Withdrawals, payouts and network fees
- Internal transfers free; blockchain transfers pay the network (miner) fee; white label 2%; static addresses 2% plus a fixed fee per currency
- Coins
- Bitcoin, Ethereum, Tron, USDT, BNB, Polygon and other supported coins
How we checked: Fees quoted from bitpay.com, oxapay.com on Nov 10, 2026. Worked costs on $100 and $1,000 are our arithmetic from the headline rate only.
BitPay vs OxaPay: what a $100 and a $1,000 payment cost
Headline processing fee only, applied to one payment. Network, conversion and payout fees are extra.
| Gateway | Headline fee | On $100 | On $1,000 | Source |
|---|---|---|---|---|
| BitPay | 2% + $0.25 | $2.25 | $20.25 | bitpay.com/pricing |
| OxaPay | 1.5% | $1.50 | $15.00 | oxapay.com/pricing |
Listed A to Z, not by price. Negotiated rates (where offered), conversion, payout and network fees change the total, so we don’t pick a winner.
How they differ
- BitPay: 2% + $0.25 per transaction under $500,000 a month. 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries).
- OxaPay: 1.5% per transaction (payment links, merchant invoices, donations). Can be reduced to 0.4% depending on your business (via your account manager).
- Getting paid out: BitPay: daily fiat settlement to your bank; settle in local currency, crypto or a mix. OxaPay: internal transfers free; blockchain transfers pay the network (miner) fee; white label 2%; static addresses 2% plus a fixed fee per currency.
FAQ
Is BitPay or OxaPay cheaper?
We do not pick a winner. On Nov 10, 2026 BitPay listed 2% + $0.25 and OxaPay listed 1.5% as headline processing fees; negotiated rates, conversion, payout and network fees change the total, so compare your own volume.
What does BitPay charge?
2% + $0.25 per transaction under $500,000 a month; 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries) (bitpay.com, Nov 10, 2026).
What does OxaPay charge?
1.5% per transaction (payment links, merchant invoices, donations); can be reduced to 0.4% depending on your business (via your account manager) (oxapay.com, Nov 10, 2026).
Where do these figures come from?
Each provider’s official pricing page, read on Nov 10, 2026. Fees change often: confirm with the provider before you sign up.
Sources (official pages, read 2026-11-10)
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