NervixPay vs crypto payment gateways

Get paid straight to your own wallet, with AI agents and no payout fees.

NervixPay never holds your money, lets your AI agent run payments with your approval, and asks customers for amounts their exchange accepts. Here is how it compares with 7 gateways, with a source for every claim.

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NervixPay at a glance

Who holds your money: You do
Payout or withdrawal fee: $0
AI agents: Approved by you
Busy month on Business: $100 + $0.10/payment

Today's plans. Compared with 7 gateways below.

Where NervixPay leads

Seven reasons merchants switch

All live today, each with the page that proves it.

Paid straight to your wallet

Customers pay your own wallet directly. NervixPay never holds funds: no balance to withdraw, no payout fee, nothing to freeze.

Security model

Built for AI agents from day one

Claude Code, Codex, Grok or any agent that can call HTTPS connects with your device-code approval and gets scoped, revocable access.

AI agent guide

Amounts exchanges accept

Stablecoin checkouts ask for at most 4 decimals, like 9.0047 USDC, and use a 5th only when that price is busy. Many exchanges reject more.

Paying from an exchange

Round amounts still land

A customer who sends the plain price, exactly 9 USDC, is still matched on Polygon, Ethereum and BNB Chain when only one open order could fit.

How matching works

Publicly verifiable

Confirmed payments are listed on PayScan with a link to their on-chain transaction, so anyone can check them.

Open PayScan

5 networks built in

Polygon, Ethereum and BNB Chain are live with USDC, USDT and native coins. TRON and TON are built in and switched on per deployment.

Networks and coins

Everything to sell

Payment links and products with QR codes, webhooks with retries, email receipts and a desktop workspace, with a native macOS app on the way.

Products and links

AI agents

Let your AI agent run payments

Four steps, and you stay in control of every connection.

Paste the setup prompt
Your dashboard copies a prompt with your merchant id and no secrets. Paste it into Claude Code, Codex, Grok or another agent.
The agent asks for a device code
It requests only the scopes it needs. The code is valid for 10 minutes and the agent never sees a password or wallet key.
You approve it in your browser
Check the device name and scopes in Integrations. Test mode comes first; live mode needs a separate confirmation.
It runs your payments over the API
The agent creates payment links and checkouts and reads payments. Keys last 7 days and you can revoke them instantly.

Fair note: Stripe (agent toolkit and MCP server) and Coinbase (x402 agent payments) offer agent tooling too. NervixPay was built for agents from day one, with your approval and scoped access on every connection. Read the agent guide

Benchmarks

How NervixPay measures up

Six numbers from the table and the calculator below. Where another gateway wins, the chart shows it.

Fee on a $100 sale

Lower is better

NervixPay: $0.10
Plisio: $0.50
NOWPayments: $0.50
Cryptomus: $0.40
CoinGate: $1.00
Coinbase Commerce: $1.00
Stripe: $1.50
BitPay: $2.25

Fee on a $1,000 sale

Lower is better

NervixPay: $0.10
Plisio: $5.00
NOWPayments: $5.00
Cryptomus: $4.00
CoinGate: $10.00
Coinbase Commerce: $10.00
Stripe: $15.00
BitPay: $20.25

A month of 200 sales of $250

Total cost, lower is better

NervixPay: $120
Plisio: $250
NOWPayments: $250
Cryptomus: $200
CoinGate: $500
Coinbase Commerce: $500
Stripe: $750
BitPay: $1,050

NervixPay on Business, plan price included.

A month of 50 sales of $100

Total cost, lower is better

NervixPay: $25
Plisio: $25
NOWPayments: $25
Cryptomus: $20
CoinGate: $50
Coinbase Commerce: $50
Stripe: $75
BitPay: $113

NervixPay on Growth, plan price included.

Fee on a $10 sale

Lower is better

NervixPay: $0.10
Plisio: $0.05
NOWPayments: $0.05
Cryptomus: $0.04
CoinGate: $0.10
Coinbase Commerce: $0.10
Stripe: $0.15
BitPay: $0.45

Advantages in the table

Count of ✓ marks below, higher is better

NervixPay: 7
Plisio: 3
NOWPayments: 4
Cryptomus: 3
CoinGate: 4
Coinbase Commerce: 3
Stripe: 4
BitPay: 5

Out of 13 rows, including the ones where other gateways lead.

NX NervixPay
PL Plisio
NP NOWPayments
CM Cryptomus
CG CoinGate
CB Coinbase Commerce
ST Stripe
BP BitPay

Single-sale charts show NervixPay on Growth or Business; $0.60 on Starter. They leave out the plan price, which the monthly charts include.

Side by side

Every detail, with its source

Where NervixPay leads, and where other gateways do.

NervixPay compared with 7 crypto payment gateways. Published rates and documentation as of October 2026; every cell links to its source.
Feature	NervixPayPaid to your wallet	Plisio	NOWPayments	Cryptomus	CoinGate	Coinbase CommerceLimited availability	Stripe	BitPay
Control of funds
Who holds the moneyNervixPay leads	Advantage: Never held: customers pay your own wallet²⁰	Partly: Holds balances (cold storage reported); sources differ⁴	Partly: Custodial or non-custodial mode^{3 7 1}	Limitation: Holds funds in a built-in wallet (custodial)⁷	Limitation: Holds funds, then settles (custodial)^{1 3}	Limitation: Successor (Coinbase Business) holds funds^{3 1}	Limitation: Settles to your Stripe balance in local currency^{14 6}	Limitation: Holds funds, then settles (custodial)^{1 3 4}
Payout / withdrawal feeNervixPay leads	Advantage: None: the money is already in your wallet²⁰	Partly: Withdrawal fees reported (e.g. 0.0001 BTC)²	Partly: Network fees; 1.5–2.3% on fiat withdrawal reported^{3 1}	Advantage: No withdrawal fees advertised⁷	Limitation: €0.50 + 0.5% crypto payouts; 0.5% SWIFT^{1 3}	Partly: Network fee to withdraw³	Standard Stripe payouts²	Advantage: Free bank settlement reported²
Bank payout in fiatOthers lead	Limitation: No: you receive crypto in your own wallet²⁰	Partly: Auto-conversion to fiat reported⁴	Advantage: Yes, through off-ramp partners^{7 1 3}	Partly: Auto-conversion to fiat reported⁷	Advantage: Yes: EUR, GBP or USD to your bank^{1 4 7}	Partly: USD via Coinbase (US and Singapore)^{3 1}	Advantage: Yes: converted and paid to your bank^{6 14}	Advantage: Yes: daily, in USD, EUR or GBP^{1 3 4}
Checkout and integration
AI agents	Advantage: Built in: Claude Code, Codex, Grok or any HTTPS agent, approved by you with a device code, scoped and revocable¹⁹	Standard API; no agent tooling in the sources we checked⁴	Standard API; no agent tooling in the sources we checked⁷	Standard API; no agent tooling in the sources we checked⁷	Standard API; no agent tooling in the sources we checked¹	Advantage: x402: AI agents can pay Coinbase Business checkouts in USDC on Base¹²	Advantage: Agent toolkit: MCP server, agent skills, payments from agents¹³	Standard API; no agent tooling in the sources we checked¹
Exchange-friendly amounts	Advantage: Stablecoin amounts use at most 4 decimals (e.g. 9.0047 USDC), 5 only when busy¹⁸	Not stated in the sources we checked⁸	Not stated in the sources we checked⁹	Not stated in the sources we checked¹⁰	Not stated in the sources we checked¹¹	Not stated in the sources we checked³	Customer connects a wallet on crypto.stripe.com and signs¹⁴	Not stated in the sources we checked¹⁵
Customer sends the wrong amount	Advantage: Plain price (e.g. exactly 9 USDC) still matched when only one open order fits, on Polygon, Ethereum and BNB Chain¹⁸	Partly: Marked underpaid; the merchant can complete it by hand⁸	Partly: "Partially paid": wait, contact the customer or complete by hand⁹	Partly: "Wrong amount" status; the customer may top up the difference¹⁰	Partly: Optional "Underpaid Cover" accepts up to 10% short¹¹	Not stated in the sources we checked³	Wallet-connect checkout; not described¹⁴	Limitation: Partial payments refunded to the customer, who pays again¹⁵
Public payment proof	Advantage: Confirmed payments listed on PayScan with a link to the on-chain proof²¹	Not stated in the sources we checked⁴	Not stated in the sources we checked⁷	Not stated in the sources we checked⁷	Not stated in the sources we checked¹	Not stated in the sources we checked³	Not stated in the sources we checked¹⁴	Not stated in the sources we checked¹
Networks & coinsOthers lead	Partly: USDC, USDT and native coins on Polygon, Ethereum and BNB Chain; TRON and TON when enabled for the deployment¹⁷	Advantage: 15+ coins^{4 7 2}	Advantage: 300+ coins^{7 4 1}	Count not published in sources⁷	Advantage: 70+ coins^{7 2}	USDC on 5 EVM networks (Coinbase Business)¹	USDC on Tempo, Ethereum, Solana, Polygon, Base (USDP, USDG US-only)¹⁴	Advantage: 16 assets^{4 2}
Pricing
Monthly feeOthers lead	Partly: $10 / $20 / $100 per 30 days (Starter / Growth / Business); free trial of 3 payments¹⁶	Advantage: None listed^{2 4}	Advantage: None listed^{7 2}	Advantage: None listed⁷	Advantage: None on the standard plan^{1 2}	Advantage: None listed²	Advantage: None listed¹	Advantage: None listed¹
Fee per payment	$0.10 flat on Growth and Business; $0.60 on Starter and $0.50 on the trial. No percentage¹⁶	0.5%^{2 4}	0.5% same coin (~1% with conversion; some reviews list 1%). ~$10 minimum reported by one review, others list none^{2 4 7 5}	Advertised from 0.4%; up to 2%⁷	1%^{1 2 3}	1% (reported)^{2 4 3}	1.5% on stablecoin payments; $10,000 per payment limit^{6 1 14}	2% + $0.25; lower above $500K a month^{1 3 4}
Fee on a $10 saleOthers lead	$0.10 on Growth or Business, $0.60 on Starter (plus the plan price)¹⁶	$0.05^{2 4}	$0.05^{2 4 7}	$0.04⁷	$0.10^{1 2 3}	$0.10^{2 4 3}	$0.15^{6 1 7}	$0.45^{1 3 4}
Fee on a $100 saleNervixPay leads	Advantage: $0.10 on Growth or Business, $0.60 on Starter (plus the plan price)¹⁶	$0.50^{2 4}	$0.50^{2 4 7}	$0.40⁷	$1.00^{1 2 3}	$1.00^{2 4 3}	$1.50^{6 1 7}	$2.25^{1 3 4}
Maturity
Track recordOthers lead	Partly: New (2026); confirmed payments are public on PayScan²¹	Advantage: Since 2019 (vendor-reported)⁴	Advantage: Established; reviewed by every source^{1 2 7}	Advantage: Established; listed in 2026 reviews⁷	Advantage: Established; MiCA licence reported³	Advantage: Established brand^{1 3}	Advantage: Established global brand⁶	Advantage: Since 2011⁴

Coinbase Commerce: Reported closed outside the US and Singapore since 31 Mar 2026.^{3 1 4}

Sources, checked on 2026-10-24

Several of these comparison sites are run by gateway vendors, and their figures conflict. Where they disagree the table says so. “Not stated” means the sources we checked do not say, not that the gateway lacks it.

Competitor figures are published rates, not quotes. Rates change; check each provider's pricing page.

Cost calculator

What would a month cost you?

Enter your payments and average sale. Every NervixPay plan and every gateway is priced from the same figures as the table.

Payments per month

Successful payments in a 30-day period.

Average sale (USD)

Try 20 payments of $10, or 500 of $100.

For 500 payments of $100.00 a month, NervixPay Business is cheapest at $150.00 (0.3% of sales). The cheapest gateway, Cryptomus (advertised from 0.4%, up to 2%), costs $200.00.

NervixPay Business$150.00
Cryptomus (advertised from 0.4%, up to 2%)$200.00
Plisio$250.00
NOWPayments$250.00
CoinGate$500.00
Coinbase Commerce$500.00
Stripe$750.00
BitPay$1,125.00

Not shown: NervixPay Starter (up to 20 payments) and Growth (up to 50 payments), which allow fewer payments a month.

NervixPay plans: price per 30 days plus a flat fee per payment. Gateways: their published rate on each sale. Network fees are paid by the customer's wallet and are not included.

When NervixPay is cheapest

Flat pricing wins as you grow

Worked out from today's plans and the gateways' published rates, including where we lose.

Busy months: Business wins

Business is $100 per 30 days with unlimited payments and $0.10 per payment, no percentage. With a $100 average sale it costs less than:

BitPay (2% + $0.25)from 47 payments, $4,700 a month
Stripe (1.5%)from 72 payments, $7,200 a month
CoinGate / Coinbase Commerce (1%)from 112 payments, $11,200 a month
Plisio / NOWPayments (0.5%)from 251 payments, $25,100 a month
Cryptomus (0.4%)from 334 payments, $33,400 a month

Steady months: Growth

Growth is $20 per 30 days for up to 50 payments at $0.10 each. With a $100 average sale it costs less than:

BitPay (2% + $0.25)from 10 payments
Stripe (1.5%)from 15 payments
CoinGate / Coinbase Commerce (1%)from 23 payments

Small sales: a percentage gateway costs less

On a $10 sale, Starter charges $0.60 per payment ($0.50 platform fee + $0.10), which is 6% of the sale, plus $10 per 30 days. Cryptomus charges $0.04. If you take a few small payments a month, a percentage gateway is the cheaper choice today; NervixPay still gives you custody, agents and exchange-friendly checkouts.

Pricing

Today's plans: a flat price, never a percentage

Every plan has every network, webhooks, the API and agent access.

Free trial

Free

3 successful payments in total
$0.50 per payment platform fee, from prepaid credits
Try a real checkout before you pay anything.

Start the free trial

Starter

$10/ 30 days

20 payments per 30 days
$0.60 per payment ($0.50 platform fee + $0.10)
For a handful of sales a month.

Choose Starter

Growth

$20/ 30 days

50 payments per 30 days
Platform fee included; $0.10 per payment
For steady sales every month.

Choose Growth

Best for volume

Business

$100/ 30 days

Unlimited payments
Platform fee included; $0.10 per payment
For busy stores and agent fleets.

Choose Business

Prices per 30 days, paid in crypto from Billing. No payout fees: the money is already in your wallet. Full fee details

FAQ

Straight answers

Including where another gateway might suit you better.

What does NervixPay cost today?

A free trial of 3 successful payments, then Starter ($10 per 30 days, 20 payments), Growth ($20, 50 payments) or Business ($100, unlimited). Free trial and Starter pay a $0.50 platform fee per payment from prepaid fee credits; Growth and Business include it. Paid plans add $0.10 per confirmed payment, billed at renewal. No percentage and no payout fees.

Is NervixPay always the cheapest?

No. If you take a few small payments a month, a percentage gateway costs less (see “Small sales” above). NervixPay gets cheaper as you grow, because Business is a flat $100 plus $0.10 a payment however large the sale. Try your own numbers in the calculator.

What about network (gas) fees?

Your customer’s wallet pays the network fee when it sends the payment; NervixPay adds nothing to it. Polygon and BNB Chain usually cost a cent or less, which makes them the best choice for small payments. Ethereum can cost more than $1.

Can my AI agent set up payments for me?

Yes, in the four steps shown above. The agent never sees your password or wallet keys, starts in test mode, and you can revoke its access at any time.

Why does non-custodial matter?

With a custodial gateway the money sits in their balance until they settle or you withdraw it, often for a fee. With NervixPay the customer pays your own wallet, so the money is yours the moment the transfer is final. There is no NervixPay balance to wait on.

What if a customer pays from an exchange?

Stablecoin amounts use at most 4 decimals, so most exchange withdrawal forms accept them. If the exchange sends the plain price instead (exactly 9 USDC rather than 9.0047), it is still matched on Polygon, Ethereum and BNB Chain when only one open order fits. A different amount is not matched automatically; the money is already in your wallet, so you settle it with the customer.

Where do other gateways do better?

They accept far more coins (NOWPayments lists 300+), several pay out fiat to your bank (BitPay, CoinGate, Stripe), they cost less on small sales, and they have years of track record. If you need fiat in a bank account, one of them may suit you better.

Where do the competitor numbers come from?

Published rates from comparison sites and the gateways’ own documentation, linked in every table cell and checked on 24 October 2026. Some review sites are run by gateway vendors and disagree; where they do, the table says so. Rates change, so check each provider’s pricing page.

Keep the money in your wallet

Set up in minutes with the wallet you already have, or hand the setup to your AI agent. No custody, no payout fees.

Start the free trial Read the docs

Seven reasons merchants switch

Paid straight to your wallet

Built for AI agents from day one

Amounts exchanges accept

Round amounts still land

Publicly verifiable

5 networks built in

Everything to sell

Let your AI agent run payments

Paste the setup prompt

The agent asks for a device code

You approve it in your browser

It runs your payments over the API

How NervixPay measures up

Fee on a $100 sale

Fee on a $1,000 sale

A month of 200 sales of $250

A month of 50 sales of $100

Fee on a $10 sale

Advantages in the table

Every detail, with its source

What would a month cost you?

Flat pricing wins as you grow

Busy months: Business wins

Steady months: Growth

Small sales: a percentage gateway costs less

Today's plans: a flat price, never a percentage

Free trial

Starter

Growth

Business

Straight answers

Keep the money in your wallet