Payment Gateway Pricing — High Risk

High Risk Payment Gateway
Pricing That Works for
Your Business

Most high-risk payment gateways hide their real cost behind tiered rates, monthly minimums, and setup charges. PayBito offers a single, transparent pricing model: a flat 1% on every transaction — across every payment method you offer.

Stripe Cards 1%

PayPal REST 1%

Crypto 1%

Recurring 1%

Start Free — No Setup Fee Talk to Sales

No monthly minimum

Predictable every month

Fee Anatomy — Sample $1,000 Transaction

Transaction Amount $1,000.00

PayBito Platform Fee (1%) − $10.00

Setup Fee $0.00

Monthly Fee $0.00

Risk Surcharge $0.00

You Keep $990.00

Note on Additional Fees

Card network fees (Stripe), PayPal transaction fees, and crypto blockchain gas fees are separate from PayBito's 1% and are charged by those networks directly. PayBito does not mark these up.

How the Pricing Works

Flat 1% — Always Predictable Payment Gateway Pricing

High risk payment gateway pricing from most providers follows a hidden-cost model: a low headline rate paired with monthly minimums, rolling reserves, chargeback penalties, and risk surcharges. PayBito's model is different — one rate covers the entire platform, regardless of payment method or industry.

Whether you are processing subscriptions, one-time sales, or accepting crypto from a guest who has no wallet, your PayBito fee is always 1% of the transaction value. Nothing more.

Per-Transaction Rate Comparison

PayBito 1%

Typical High-Risk Processor 3.5%–6%

Premium High-Risk Specialist 5%–9% + fixed fees

* Competitor ranges are indicative. Actual rates vary. PayBito's 1% does not include underlying card network or PayPal fees.

What Makes This Pricing Model Work for High-Risk

Multi-Gateway, Single Rate

Stripe card processing, PayPal REST API payments, and all crypto methods are billed at the same 1% — no premium for adding a second or third payment rail.

Fee Direction Is Your Choice

From your Configuration panel, set whether the 1% is added to the buyer's checkout total ("Customer Pays") or deducted from your settlement ("Merchant Absorbs") — change this at any time.

Volume Limits Scale With KYC

Start processing immediately at Tier 1 ($1,000/day, 90 payments/month). Complete KYC/KYB verification to unlock Tier 2 with higher throughput — pricing stays flat at 1%.

No Rolling Reserve From PayBito

PayBito does not impose a rolling reserve on your settlement. Funds settle to your crypto wallet or bank account per the standard schedule, unrestricted by PayBito.

Gateway Features at 1%

Everything Covered Under One Pricing Line

No per-feature billing. Every capability below is included in PayBito's 1% transaction fee.

Stripe Card Gateway Integration

Add your Stripe publishable and secret keys in Payment Settings. Immediately accept Visa, Mastercard, Amex, and Discover — one-time or recurring — at the flat 1% PayBito rate.

PayPal REST API Gateway

Connect your PayPal Client ID and Secret. Customers complete payments via PayPal balance, linked bank, or card — routed through your own PayPal account at the 1% PayBito fee.

Native Crypto Payment Gateway

Accept BTC, ETH, BCH, LTC, XRP, USDT, USDC, DOGE, HCX, and INR through PayBito's built-in crypto infrastructure. Blockchain network fees pass through at cost — not marked up.

Three Crypto Checkout Modes

Brand Wallet (PayBito custodial), External Wallet (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink), and Guest Checkout (manual address entry, no wallet required) — all at 1%.

Recurring & One-Time Billing

Create subscription cycles or one-time payment links from the same dashboard. Both billing types carry the same 1% fee — no premium for automated recurring billing workflows.

API, Webhooks & Domain Whitelisting

Generate named API keys, configure webhook endpoints, and whitelist domains from the Developers section. Full programmatic gateway control included in the 1% fee — no add-on required.

Payment Methods & Gateway Pricing

Three Gateways. One Flat Price.

High-risk merchants should not pay more for diversifying their payment methods. With PayBito, they don't.

Stripe Card Gateway

1% PayBito Fee

Visa, Mastercard, Amex, Discover
API key setup in Payment Settings
One-time & subscription billing
Customer- or merchant-absorbed fee
Stripe's own fees billed by Stripe

PayPal REST Gateway

1% PayBito Fee

REST API — Client ID & Secret
PayPal balance, bank, or card
Routed through your PayPal account
One-time payment support
PayPal's own fees billed by PayPal

Crypto Gateway

1% PayBito Fee

BTC, ETH, BCH, LTC, XRP, USDT, USDC, DOGE, HCX
Brand Wallet — custodial hosted
External: MetaMask, Trust, Coinbase, Phantom, Brave, TronLink
Guest Checkout — no wallet needed
Network fees at cost, not marked up

Cost Comparison

PayBito vs. Typical High-Risk Gateway Pricing

See the full cost picture — not just the headline rate — before choosing a high-risk payment gateway.

Cost Component	PayBito	Typical High-Risk Processor	Standard Card Gateway
Per-Transaction Rate	1% flat	3.5%–6% + variables	2.9% + $0.30
Setup / Application Fee	$0	$500–$5,000	$0–$500
Monthly Minimum Fee	$0	$25–$150/mo	$0–$35/mo
Crypto Payment Gateway	Native, 10+ assets	Rarely included	Not included
Subscription Billing Surcharge	None	+0.5%–1.5%	+0.5% (some)
Rolling Reserve (platform-imposed)	Not imposed by PayBito	5%–10% held 6 months	Case by case
API Access & Webhooks	Included at 1%	Often paid add-on	Usually included

Competitor figures reflect typical industry ranges. Actual pricing varies. Card network, PayPal, and crypto network fees are charged by those platforms directly and are separate from PayBito's 1%.

The PayBito Advantage

Why High-Risk Merchants Choose PayBito's Gateway

Transparent pricing is one reason. Here are four more.

No Rate Negotiation Needed

The 1% is published and fixed. You don't need to negotiate a rate based on volume, industry, or business age — every merchant starts at the same price.

Crypto as a Card Backup Rail

If your Stripe or PayPal account is restricted, your crypto gateway keeps running. PayBito lets high-risk merchants maintain payment continuity across all rails simultaneously.

Live in Minutes

From signup to first payment link in under five minutes. Add Stripe keys, PayPal credentials, and your crypto settlement wallet — no waiting for risk review to begin testing.

Sub-Merchant & Team Access

Add team members with role-based access across 14 permission menus — including settlement, analytics, and configuration — at no extra cost per seat.

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