Finding the Crypto Payment App with the Lowest Fees
Every sale you make is a profit, but lurking beneath is the profit killer: fees.
For growing businesses, cryptocurrency payments have come as a relief from traditional payment processing fees. But the complexity of crypto itself, with its hidden charges and unreadable wallet addresses, has been a barrier.
The good news is that in 2025, a new breed of crypto payment gateways has solved this very problem. The blog will compare three crypto payment solutions to help you maximize your profits by finding the most cost-effective one. Let’s find the best crypto payment app with the lowest fees.
So, how do crypto payment fees actually work, and why should you care?
Understanding the Crypto Fee Structure
Cryptocurrency payments, similar to traditional fees, have begun imposing additional charges, offering no relief to businesses.
Network Fees/ Gas Fees: Charged by a blockchain network (e.g., Ethereum, Bitcoin) to process a transaction.
Platform Service Fees: Amount charged for using the payment gateway as a service.
Conversion Fees: Exchange rate charges applied to convert crypto to fiat.
Withdrawal Fees: Fees charged when you transfer your funds out of the payment gateway’s ecosystem to your external bank account.
Why does finding the crypto payment app with the lowest fees matter?
For businesses, every percentage point saved directly increases profit margins. For consumers, high or unpredictable fees are a barrier to using cryptocurrency. For anyone processing high volumes, even a 0.1% difference can translate to thousands of dollars saved annually, making scalability sustainable.
Crypto Payments App Compared: Which Offers the Lowest Fees?
NOWPayments
Known for its broad coin support and easy plugins, this crypto payment app positions itself as a versatile tool for businesses wanting to accept a variety of altcoins.
Fee Structure: Every transaction is charged a 0.5% service fee, and customers are charged an additional gas fee. This additional fee is a huge reason for abandoned carts at checkout.
Transaction Speed: Processing times depend on the speed and congestion on the network.
Security: NOWPayments is custodial. It uses API key security and provides IPN (Instant Payment Notifications) for order status and security.
USP & Best For: Ideal for businesses, creators, and charities that accept a wide range of cryptocurrencies and need simple integration via a wide range of plugins.
BitPay
One of the oldest and most recognized names in the crypto space, this gateway offers a wide variety of tools, including a wallet app, card, and merchant services. It is known for its reliability and strong fiat settlement options.
Fee: The transaction is completed with a 1% settlement fee, and an additional 1% to settle directly to fiat.
Transaction Speed: A minimum of 1 to 6 blockchain confirmations is required, resulting in longer wait times.
Security Features: As a custodial service, it boasts a strong security track record, featuring multi-signature wallet technology, SOC 2 Type 2 compliance, and robust maintenance policies.
USP & Best For: Suited for larger, established enterprises seeking insured custodial holdings and looking to utilize products like BitPayCard.
Paycio
The user-centric crypto payment app prevents transaction costs and crypto complexity from eating into your profits.
Fee: Paycio is a model of transparency and only charges a minimal 0.5% per transaction, without any platform, setup, or subscription fees.
Innovation: Leverages its proprietary Unified Crypto Payments Interface (UCPI) tech thatconnects to over 100 exchanges and 50+ wallets.
Transaction Speed: UCPI enables near-instant, cross-chain settlements via mobile numbers, QR scanner, or with a unique human-readable ID. This eliminates the risk of errors, improving checkout conversion.
Non-Custodial: A huge security benefit over the custodial models of NOWPayments and BitPay. This means the merchant always retains control of their keys and assets.
USP & Best For: The clear choice as a crypto payment app with the lowest fees, ideal for e-commerce stores, online retailers, and businesses of all sizes looking to optimize their payment stack and tap into the global market.
Save more of your profits by seamlessly integrating Paycio. Tap here to learn how.
What Else Matters Beyond Fees?
While choosing a crypto payment app with the lowest fees is a critical factor, other features also come into play for long-term success.
Security Features
The ideal platform balances low fees with robust security. Security starts with the question of custody.
A custodial model will offer insurance on holdings. For this, the user must hand over control of their funds.
A non-custodial model, like Paycio’s, ensures retaining full ownership of private keys and assets.
In addition to the type of custody chosen, the platform should also be regulatory compliant (KYC/AML) to act as a trustworthy platform that mitigates fraud risks and ensures smooth operations.
User Experience
The best solution is also the one that offers a seamless user experience, which signifies easy integration within minutes.
Paycio’s UCPI technology exemplifies better crypto payments by reducing failed transactions and cart abandonment through human-readable IDs that replace complex wallet addresses. Quality customer support ensures payment issues are resolved quickly.
Moreover, an ideal platform offers quality customer support to help resolve payment issues quickly.
Additional Features
Select a crypto payment solution with built-in multi-currency and multi-chain support to attract a global audience. Additionally, the one thatoffers instant fiat conversion to protect your revenue from market volatility. For businesses looking to build custom solutions, advanced API capabilities allow for deep custom integrations and automated accounting workflows.
Choosing the Right Platform for You
Your choice depends on your specific use case:
Small Businesses & Startups
Most small businesses look for apps with the lowest fees and an easy setup process. Ideally, Paycio is your choice of crypto payment app. It charges just 0.5% of the model and features a unique ID system for hassle-free transfers.
Altcoin-Focused Businesses
If you are looking to accept a large number of specific tokens, then NOWPayments must be your ideal choice. B However, with this app, it's essential to be aware of the customer-paid network fees.
Large Enterprises
If your business prefers to integrate an established brand, then the ideal choice is BitPay. Widely recognized, it comes with insured custody, a full product ecosystem, and 1% fee.
Concluding Thoughts
2025’s crypto payment landscape is all about low fees and tapping into global markets. However, success depends on choosing the right platform.
While NOWPayments offers wide coin support and BitPay provides established brand security, both come with significant compromises: either in hidden charges for customers or substantially higher fees for merchants.
Paycio’s combination of the industry’s lowest transparent fee (0.5%), its ease-of-use through wallet address alternatives, and its foundational non-custodial security provides unmatched value and control. It is the clear choice for businesses that want to maximize profitability without giving up on either security or customer experience.
Stop letting fees eat your profits. Start building a more efficient, secure, and global payment system with the proven crypto payment app with the lowest fees.
Next Step: Explore Paycio’s seamless integration for your business and see how our 0.5% fee can transform your bottom line.
Learn more about our unique Unified Crypto Payments Interface (UCPI).
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