Compare
A proposed crypto-payments price model. Here's the math.
This local prototype models a 0.500% base rate with no modeled per-transaction fee or stacked add-ons. Use it to compare planning assumptions against Coinbase Commerce, Helio, BitPay, NOWPayments, CoinGate, Cryptomus, TripleA, and BoomFi before a production provider and pricing cutover.
- Proposed base rate
- 0.500%
- Per-transaction fee
- $0
- Modeled surcharges
- $0
- Holder-policy model
- Up to 20%
Local pricing-model input
Proposed model assumption
Production terms still need cutover
Proposed discount from the 0.500% base rate
Savings calculator
Explore the modeled fee difference.
Pick a processor and monthly volume. This local planning tool uses static fee assumptions, including the modeled surcharge inputs, rather than a live MoonTap or provider quote.
- Annual volume
- $600,000
- Coinbase Commerce effective rate
- 1.00%
- MoonTap modeled rate
- 0.500%
- Coinbase Commerce fee
- $6,000
- MoonTap modeled fee
- $3,000
Static comparison input for Coinbase Commerce: No automatic swap to USDC — merchant exposed to volatility. Verify current provider terms before making an integration decision.
Planning examples
What the model estimates.
Three illustrative merchant profiles. These annual estimates use static provider inputs and a proposed MoonTap rate at a $50 average transaction size; they are not live quotes or savings guarantees.
Indie Shopify store
$25,000/mo · vs Coinbase Commerce
50% lower in model
- Coinbase Commerce (1.00%)
- $3,000
- MoonTap model (0.500%)
- $1,500
Planning scenario that compares the local MoonTap model with Coinbase Commerce inputs.
DTC subscription brand
$150,000/mo · vs Helio
82% lower in model
- Helio (2.75%)
- $49,500
- MoonTap model (0.500%)
- $9,000
Planning scenario that models Helio surcharge inputs against a proposed MoonTap rate.
Marketplace at scale
$1,000,000/mo · vs Stripe
86% lower in model
- Stripe (2.91%)
- $420,720
- MoonTap model (0.500%)
- $60,000
Planning scenario that compares a proposed crypto-payment model with Stripe inputs.
Side-by-side
The modeled landscape, in one table.
Effective rates are static planning estimates, including modeled surcharge assumptions. MoonTap production pricing, settlement, custody, and payment-provider integrations remain pending cutover.
| Provider | Headline | Effective | Production settlement | Custody | Solana Pay status | Model notes |
|---|---|---|---|---|---|---|
MoonTapLocal model Local pricing model | 0.500% | 0.500% | Pending provider cutover | Not live in local mode | Not integrated | Terms pending |
Cryptomus cryptomus.com/billing | 0.70% | 0.80% | Crypto | Custodial | 3 surcharges | |
Coinbase Commerce commerce.coinbase.com | 1.00% | 1.00% | Crypto | Self | 3 surcharges | |
CoinGate coingate.com/billing | 1.00% | 1.00% | Crypto + Fiat | Custodial | 3 surcharges | |
TripleA triple-a.io/pricing | 1.00% | 1.00% | Fiat | Custodial | 3 surcharges | |
BoomFi boomfi.io/pricing | 1.00% | 1.00% | Crypto + Fiat | Custodial | 3 surcharges | |
BitPay bitpay.com/pricing | 1.00%+ $0.25/tx | 1.00% | Crypto + Fiat | Custodial | 3 surcharges | |
NOWPayments nowpayments.io/pricing | 0.50% | 1.50% | Crypto | Custodial | 3 surcharges | |
Helio docs.hel.io/pricing-fees | 2.00% | 2.75% | USDC | Custodial | 3 surcharges | |
Stripe stripe.com/pricing | 2.90%+ $0.30/tx | 2.91% | Fiat | Custodial | 3 surcharges |
Planning inputs use a $50 average transaction size, fixed-rate and auto-offramp assumptions where noted. Verify current provider terms; MoonTap has no live production settlement or Solana Pay integration in this local build.
Planning assumptions
Eight fee-model assumptions to verify before you integrate.
These are static local comparison inputs, not a current provider audit or a MoonTap production price quote. Confirm all fees and terms directly with each provider before making a decision.
Modeled per-transaction fee
BitPay charges $0.25 / tx · Stripe charges $0.30 / tx
The MoonTap local model uses percentage-only pricing. Production commercial terms are pending.
Modeled off-ramp surcharge
Helio adds +0.5% to settle in USDC instead of native crypto.
The model assumes no off-ramp surcharge. A production settlement path has not been connected.
Local quote-lock behavior
NOWPayments adds +1% if 'Fixed Rate' or 'Fee paid by user' is on — both are default in production.
Local checkout stores a short-lived quote lock; external quote and settlement providers are still cutover work.
Modeled swap surcharge
Helio adds +0.25% per token swap — stacks on multi-asset orders.
The 0.500% model has no per-swap surcharge. MoonSwap routing is not connected in local mode.
Custody design pending
BitPay, NOWPayments, Helio, CoinGate, Cryptomus all hold your funds.
MoonTap does not custody or pay out funds in local mode. Production custody and payout design are pending.
Asset-conversion risk pending
Coinbase Commerce delivers raw crypto — merchants are exposed to price swings until they manually swap.
No auto-swap occurs in local mode. Production asset conversion and price-risk controls remain unconnected.
Settlement costs pending
TripleA, BitPay, BoomFi charge SWIFT / ACH fees on payouts.
The local build has no banking or payout rails. Production settlement costs require provider decisions.
Feature and pricing policy pending
Helio's 1% rate requires a 'HelioX' subscription. BoomFi paywalls subscription billing.
This is a proposed policy model; production feature availability and pricing must be finalized at cutover.
Production assumptions
0.500% is a local model, not a live price guarantee.
These are intended economics, not evidence of a running payment network. Provider, compliance, custody, settlement, and pricing decisions are required before production launch.
Planned routing architecture
The production design proposes MoonSwap routing on Solana and direct rails elsewhere. No wallet payment, swap, or settlement provider is connected in this local build; multi-chain routing remains a future decision.
Custody and payout model pending
The local prototype does not custody, settle, or pay out funds. Production custody, compliance, payout, and reconciliation responsibilities must be defined with the chosen providers before launch.
Proposed fee allocation
The local model starts merchants at 0.500% before a policy discount and assumes no MoonTap swap surcharge. Routing, slippage, and payer allocation are not yet production terms because MoonSwap is not connected.
Local policy preview, no stacking
The local policy models holder discounts up to 20% and volume discounts up to 15%, selecting one path rather than stacking them. Production holder eligibility, volume data, and commercial pricing still need final verification.
Evaluate the local model
Evaluate a proposed crypto checkout model.
Drop our hosted checkout, payment links, or API into your site against the local contract surface, then run the savings calculator before choosing a production integration.
- 0.500% proposed base-rate model
- Up to 20% proposed holder-policy discount
- Local sandbox available without provider accounts
- Production settlement is pending provider cutover
- Local checkout, links, invoices, and POS previews