How WcPay fees work: a plan, not a commission

Almost every payment product prices itself as a slice of your revenue. WcPay fees do not work that way. You pay for a plan on wcpay.us, install the plugin, and whatever you sell after that is yours. A store doing €5,000 a month and a store doing €500,000 a month pay us exactly the same amount.

That difference compounds. A percentage-based gateway takes more from you every time you grow, so your payment cost rises in lockstep with your success and never stops. A fixed plan does the opposite: the more you sell, the smaller your effective rate becomes. At €5,000 a month a plan might work out to a fraction of a percent. At €100,000 a month it rounds to nothing.

That third line is the one people mean when they ask about WcPay fees, and it is worth being precise: it is the provider’s own rate for converting a card, bank or wallet payment into crypto. It is displayed inside the provider’s window, in the buyer’s own currency, before they press pay. We do not add to it, we do not mark it up, and we do not receive any part of it.

The payment flow, and where WcPay fees sit in it

Understanding where each cost appears is easier once you have followed a single order end to end. Nothing here requires an account with us, a contract, or an underwriting file.

1. The buyer reaches your WooCommerce checkout and picks one of the payment methods you enabled. Each one is a separate gateway in your WooCommerce settings, with its own title, icon and description.
2. They are handed to the provider’s secure window. Card details, identity checks and fraud screening all happen there. Your site never touches card data, which removes an entire category of compliance work from your shoulders.
3. The provider quotes its fee and the exchange rate before the buyer confirms. This is the only percentage in the whole flow, and it is theirs. None of it is part of WcPay fees.
4. The payment converts to USDT and is sent to the wallet address you configured in the plugin settings.
5. The order is marked paid in WooCommerce and the USDT lands in your wallet, usually within a couple of minutes. The transfer is final from that moment.

Three things are worth noticing about this sequence. First, there is no settlement account in the middle holding your money, which is the structural reason we can keep WcPay fees at zero percent: we never touch the funds, so there is nothing to take a cut from. Second, no step involves an approval decision about your business model. Third, no step introduces a cost that is not already listed on this page, which is what makes WcPay fees straightforward to budget for.

Provider rates, and why they are not WcPay fees

None of the rates below are WcPay fees, and none of them reach us. Sixteen live APIs ship pre-integrated with the plugin, and you choose which ones appear at your checkout, so you control which rates your buyers ever see. Apple Pay and Google Pay run through the card rails below rather than as separate lines.

Rates verified January 2027 against each provider’s published schedule and subject to change by that provider. Rows marked “quoted before payment” belong to providers that publish no public rate card; the buyer still sees the exact amount before confirming.

Two of these publish their pricing in full and are worth reading if you want the detail. Revolut sets out its retail crypto fee schedule with volume tiers that fall from 1.49% to 0.49% as a customer’s thirty-day volume grows, and Transak lists every payment method and its fee on a single page, down to the fixed component.

Fee versus spread: what WcPay fees tables cannot show

Every fee table on the internet, including this one, shows only half of what a buyer pays. The other half is the spread, and knowing about it will make you much harder to mislead when you compare providers.

The fee is the visible percentage, shown as a line item. The spread is the gap between the real market price of the crypto and the price the provider quotes. If USDT trades at one dollar and the provider prices it at one dollar and two cents, that two cents is a 2% cost that never appears as a fee anywhere on the receipt.

This matters because a provider advertising 1.99% with a 3% spread is more expensive than one advertising 4.5% with no spread. Neither number alone tells you anything useful. The only reliable comparison is the total: how much fiat goes in against how much crypto comes out.

Spread is also why WcPay fees are quoted the way they are on this page. We publish what each provider publishes and we tell you plainly where the published figure is incomplete, rather than assembling a comparison table designed to flatter one route over another.

What a €100 payment costs on each route

Applying the published rates above to a single €100 payment gives the spread your buyer actually experiences. Not one line in this table is part of WcPay fees, and not one of these amounts is deducted from your subscription or from your payout.

Bank and local rails are consistently the cheapest, cards the most expensive, because the provider carries the fraud risk on a card and prices that risk in. If you sell high-ticket items, putting a bank route first at checkout is the single most effective thing you can do for your buyers’ total cost.

Which routes to enable, country by country

None of this changes what you pay, since WcPay fees are the same whichever gateways you switch on. It changes what your buyers pay and how many of them finish checkout. Enabling all sixteen gateways is a mistake. A checkout with sixteen buttons converts worse than one with three, and most of them will be unavailable in your buyer’s country anyway. Pick by market instead.

A sensible default for most stores is three gateways: one bank or local rail, one card route, and one crypto-native option such as Binance. All three are covered by the same plan, because WcPay fees are not charged per gateway. Test them with small real orders before launch, because availability shifts by country more often than pricing does.

Why high risk stores pay more everywhere else

If you have been quoted 8% or told to post a reserve, it helps to understand what the acquirer is actually pricing, because it explains why WcPay fees can avoid all of it.

A card payment is reversible for months after delivery. When a buyer disputes a charge, the card network claws the money back from the acquirer, who claws it back from you. If you have already spent it, the acquirer is exposed. Everything expensive about high risk processing flows from that single fact.

The reserve exists so the acquirer holds your money while the dispute window stays open. The chargeback fee exists to make disputes painful enough that you prevent them. The elevated percentage prices the statistical likelihood that your sector produces disputes. And the termination clause exists so the acquirer can exit if your dispute ratio crosses a network threshold, which is what turns a working store into a dead one overnight.

Settled USDT has none of these properties. An on-chain transfer cannot be reversed by anyone, including us. There is no dispute window, so there is nothing to reserve against, nothing to fee, and no ratio to monitor. That is the entire argument, and it is why the structure of WcPay fees looks nothing like an acquirer’s.

WcPay fees vs a high risk merchant account

The headline percentage was probably the least painful part of any offer you have been quoted. This is what the rest of it usually looks like.

Read that table as a whole rather than line by line. A 3.5% acquirer with a 10% reserve and a live termination risk costs far more than a flat plan, which is the real argument for how WcPay fees are structured.

Twelve months of costs, side by side

Take a store turning over $20,000 a month, which is $240,000 across a year. Nothing exotic, just a shop that works.

On a high risk merchant account at 5%, the commission alone is $1,000 a month, so $12,000 a year. Add a $49 monthly gateway fee and you are at $12,588. Add twenty chargebacks across the year at $35 each and you are at $13,288. And at any moment a 7% rolling reserve means roughly $1,400 of your own money is sitting in someone else’s account, unavailable for stock, ads or wages.

On WcPay, the same $240,000 of revenue costs you your plan and nothing else, because WcPay fees have no variable half. Whatever that plan price is, multiply it by twelve, and that is the complete figure for the year. There is no variable component, no reserve locked away, and no surprise line in month nine.

What your subscription includes

One plan covers everything, and it is the whole of WcPay fees. There is no add-on pricing, no per-gateway licence, no transaction tier and no upsell waiting behind a limit.

• No setup or application cost
• No percentage of revenue, at any volume
• No chargeback or dispute fee
• No rolling reserve or held balance
• No withdrawal fee, because payouts go straight to your wallet
• No suspension, no limits and no bans

Refunds when chargebacks do not exist

Zero chargeback fees inside WcPay fees come with one trade-off worth planning for rather than discovering. The property that removes chargebacks also removes the automatic refund button, so this deserves planning rather than discovery. A settled USDT payment cannot be reversed through the gateway, because there is no gateway holding the funds to reverse it from.

Refunds are therefore sent by you, from your own wallet, to an address the customer gives you. It is a deliberate action rather than a click in a dashboard, and that is a fair trade for never facing a forced reversal on a delivered order.

Three things make this painless in practice. Write your refund policy before launch and state plainly that refunds are issued in USDT to a wallet address. Keep a small working balance so you are never delayed. And record every refund against its WooCommerce order so your books reconcile, since the refund will not appear as a linked transaction the way a card reversal does.

Most stores find disputes drop sharply once buyers understand the payment is final, which is a quieter benefit than the zero chargeback fee in your list of WcPay fees but often a larger one.

Getting paid in USDT: wallets and bookkeeping

Your payout arrives whole, because WcPay fees are never deducted from it. USDT is a stablecoin, meaning a crypto token designed to stay worth about one US dollar. You are not exposed to bitcoin-style price swings between the sale and the moment you convert, which is the reason payouts settle in USDT rather than in a volatile asset.

You need a self-custodial wallet, which simply means a wallet where you hold the keys rather than a company holding them for you. Trust Wallet and MetaMask are the common choices, and exchange accounts at Binance, Bybit or KuCoin work too if you intend to convert to fiat regularly. Paste the receiving address into the plugin settings once and you are finished.

There is no withdrawal step and no minimum payout threshold, two charges that quietly eat into revenue on most platforms and that WcPay fees do not contain. Test with a small real order before you announce anything. Send five dollars through your own checkout, confirm it arrives, and confirm the WooCommerce order flips to paid. That five-minute check catches a mistyped address, which is the one error nobody can undo for you.

For bookkeeping, record the fiat value of the order at the time of sale, exactly as you would for a card payment. The rules for holding and converting stablecoins differ by country, so confirm the treatment with an accountant where you are registered rather than assuming it matches card revenue.

Setup checklist

From purchase to first live payment is under a minute of actual work, and nothing in the sequence adds to WcPay fees. The documentation covers each step in detail with screenshots.

1. Choose a plan and receive your plugin file and activation code.
2. Upload and activate the plugin in WordPress, then paste the activation code.
3. Paste your USDT wallet address into the gateways you want to run.
4. Enable two or three methods that match where your buyers are.
5. Place one small test order and confirm the payout arrives.

Payment terms explained

If you are coming from a card processor, a few of the words on this page will be unfamiliar. None of them are complicated.

On-ramp

A service that converts ordinary money into crypto. Every provider in the table above is an on-ramp, and their rates are the only per-transaction cost near WcPay fees.

Spread

The difference between the real market price and the price a provider quotes. An invisible cost that never appears as a fee line.

Chargeback

A forced reversal of a card payment, initiated by the buyer’s bank, often months after delivery. Impossible on a settled crypto payout.

Rolling reserve

A share of your revenue an acquirer withholds, typically 5% to 10% for 180 days, as cover against future disputes. Not part of WcPay fees, because no reserve is held.

Self-custodial wallet

A wallet where you hold the private keys. No company can freeze it, and no company can take a fee from it.

Stablecoin

A token pegged to a currency. USDT tracks the US dollar, so a $100 sale stays worth about $100.

Network fee

What the blockchain charges to move the payout. Usually cents, paid to the network rather than to any company, and separate from WcPay fees.

KYC

Identity verification. The on-ramp performs it on your buyer; you do not perform it, and you do not store the results.

Frequently asked questions about WcPay fees

Provider rates last verified January. Technical details of the payment API are documented at api.card2wallet.com.