Pricing & Fees — High Risk Processing

High Risk Payment
Processing Fees That
Never Surprise You

1 % Flat per
transaction

One transparent rate across cards, Apple Pay, Google Pay, and digital asset payments—no setup fees, no monthly minimums, and no rolling reserves imposed by PayBito. Built for businesses operating in high-risk and complex industries.

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Stripe Cards PayPal REST API 10+ Cryptocurrencies Recurring Billing

No hidden charges

PCI-DSS compliant

Stripe Card — $500.00

One-time checkout

Fee: $5.00 (1%)

PayPal REST — $250.00

Subscription billing

Fee: $2.50 (1%)

BTC Brand Wallet — $1,200.00

External wallet checkout

Fee: $12.00 (1%)

USDT Guest Checkout — $800.00

No wallet required

Fee: $8.00 (1%)

Transparent Pricing Explained

What Are High Risk Payment Processing Fees — And Why Ours Are Different

High risk payment processing fees are the per-transaction costs applied to businesses in industries that card networks and banks flag as elevated-risk — adult content, nutraceuticals, e-cigarettes, gaming, travel, crypto services, and more. Traditional processors offset this risk with complex, unpredictable fee structures.

PayBito takes the opposite approach: a single flat 1% fee, regardless of your industry, payment method, or monthly volume. No percentage tiers, no interchange differentials, no "risk surcharge" line items.

Transaction Fee 1% of each payment — all methods, all currencies
Setup Fee None — zero cost to go live
Monthly Minimum None — pay only when you transact
Rolling Reserve Not imposed by PayBito (processor-level terms apply to card rails)
Chargeback Fee Managed through your Stripe/PayPal accounts per their standard terms
Crypto Network Fee Passed through at cost — not marked up by PayBito
Withdrawal Fee Tier-based — upgrade from Tier 1 to Tier 2 by completing KYC/KYB

The PayBito Cost Advantage

One Rate Covers Everything

Whether a customer pays via Stripe card, PayPal REST API, or crypto through a Brand Wallet, External Wallet (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave, TronLink), or Guest Checkout — the fee is always 1%.

Recurring Billing at the Same Rate

Subscription payments processed through PayBito are charged at the same 1% flat fee — no premium for automated recurring billing cycles.

You Choose Who Absorbs the Fee

PayBito's Fee Handling setting lets you pass the 1% to the customer at checkout or absorb it yourself — a decision you can change at any time without contacting support.

Volume Limit Scales With KYC Tier

Start at Tier 1 ($1,000/day, 90 payments/month). Complete KYC/KYB to unlock Tier 2 with higher daily and monthly processing volumes — no renegotiation required.

Learn More

What Your 1% Covers

Everything Included in the Flat Fee

No add-on modules, no premium tiers. Every capability below is live for every merchant at the same 1% rate.

Stripe Card Processing

Connect your Stripe publishable and secret keys in Payment Settings. Accept all major debit and credit cards globally — no PayBito surcharge beyond the 1% platform fee.

PayPal REST API Integration

Link your PayPal Client ID and Secret. Customers pay via their PayPal balance, bank, or card — all routed through your account at the flat 1% PayBito fee.

Multi-Currency Crypto Acceptance

Accept BTC, ETH, BCH, LTC, XRP, USDT, USDC, DOGE, HCX, and INR — all at the 1% rate. Crypto network fees pass through at cost with no markup.

Three Crypto Checkout Modes

Brand Wallet (custodial, hosted), External Wallet (MetaMask, Trust Wallet, Coinbase Wallet, Phantom, Brave Wallet, TronLink), and Guest Checkout (address copy-paste, no wallet needed) — same 1% across all three.

Recurring & One-Time Payments

Create subscription billing cycles or one-time payment links using the same profile-based checkout builder. Both billing types are priced at 1% — no recurring billing premium.

Discounting & Fee Pass-Through Tools

Set up to 50 cart-value discount rules per profile. Choose whether the 1% processing fee is added to the customer's total or deducted from your settlement — configured from the dashboard at any time.

Payment Method Pricing

One Flat Fee — Every Payment Rail

High-risk merchants shouldn't pay more for accepting crypto, cards, or PayPal. With PayBito, they don't.

Card Payments via Stripe

1% Platform Fee

Visa, Mastercard, Amex, Discover
Connect Stripe keys from your dashboard
One-time & recurring billing
Customer- or merchant-absorbed fee
Chargeback handled via Stripe's standard process

PayPal Payments

1% Platform Fee

REST API — Client ID & Secret key setup
PayPal balance, bank transfer, card
Supported for one-time payments
Routed through your own PayPal account
No PayBito markup over PayPal's own fees

Crypto Payments

1% Platform Fee

BTC, ETH, BCH, LTC, XRP, USDT, USDC, DOGE, HCX
Brand Wallet — custodial hosted wallet
External: MetaMask, Trust Wallet, Coinbase, Phantom, Brave, TronLink
Guest Checkout — no wallet required
Network fees passed through at cost

Checkout Builder

Profile-based, shareable links

Discount Rules

Up to 50 rules per profile

Shipping & Tax

Percentage-based profiles

Sub-Merchants

14 permission menus

API & Webhooks

Full developer access

Insights & Analytics

Real-time revenue metrics

Fee Comparison

How PayBito Stacks Up on High-Risk Fees

Traditional high-risk processors layer fees on top of fees. See how PayBito's pricing compares.

Fee Component	PayBito	Typical High-Risk Processor	Standard Payment Gateway
Setup / Application Fee	$0	$500–$5,000	$0–$500
Monthly Fee	$0	$25–$150/mo	$0–$35/mo
Per-Transaction Rate	1% flat	2.9%–6%+ variable	2.9% + $0.30
Crypto Payment Option	Native, 10+ assets	Rarely available	Not included
Recurring Billing Surcharge	None	+0.5–1.5% extra	+0.5% (some)
Rolling Reserve	Not imposed by PayBito	5–10% held 6 months	Varies by risk
Developer API Access	Full — included	Paid add-on often	Included
Sub-Merchant Accounts	Included — 14 menus	Separate pricing	Not standard

Competitor figures are representative industry ranges. Card network fees, PayPal fees, and blockchain gas fees are separate from PayBito's 1% platform fee.

Why Merchants Choose PayBito

Built for High-Risk. Priced for Growth.

Six reasons high-risk merchants choose PayBito over traditional acquiring solutions.

Predictable 1% — Always

No percentage tiers, no volume thresholds, no industry surcharges. The flat 1% stays constant whether you process $500 or $500,000 in a month.

Crypto Reduces Card Dependency

Many high-risk businesses lose card processing without warning. Accepting BTC, ETH, USDT, and 7+ more assets via PayBito ensures you always have a payment rail running.

Full Fee Control at Checkout

Decide whether customers pay the 1% fee on top of their order total, or you absorb it from your settlement. Change this setting anytime from your configuration panel.

KYC Tier Unlocks Higher Volume

Tier 1 supports $1,000/day and 90 payments per month. Complete KYC/KYB to upgrade to Tier 2 for expanded daily limits — managed from your Settlement section.

Developer-Ready API & Webhooks

Generate API keys, configure webhooks, and whitelist domains from the Developers section. Full programmatic access for custom integrations — included at no extra cost.

Crypto & Bank Settlement

Settle to crypto wallets (BTC, ETH, BCH, LTC, XRP, USDT, DOGE, USDC, HCX) or add a bank account for fiat withdrawals — supporting IFSC, IBAN, and global routing codes.

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