We run Satqo, so read this with that in mind. BitPay figures come from its public pricing page as checked in October 2026; the link is at the end. BitPay notes that higher fees apply to high-risk industries; those are not covered here.
Two fee structures, two kinds of merchant
BitPay prices by monthly volume, with a percentage plus a fixed fee per transaction. Under USD 500,000 a month, the listed rate is 2% + 25¢; from USD 500,000 to 999,999 it is 1.5% + 25¢; from USD 1,000,000 it is 1% + 25¢.
Satqo charges a flat 0.5% of each incoming payment, with no fixed part, no monthly fee and custom rates above USD 10,000 a month. The payer covers the network fee of their transfer.
The fixed 25¢ matters most for small orders. On a USD 5 purchase it alone is 5% of the price. That is why the comparison looks different for a shop selling USD 5 digital items than for a merchant closing USD 5,000 deals.
Side by side, as of October 2026
| Satqo | BitPay | |
|---|---|---|
| Fee per payment | 0.5%, flat | 2% + 25¢ under USD 500k a month; 1.5% + 25¢ to USD 1M; 1% + 25¢ above |
| Monthly fee | None | Not specified on the pricing page |
| Settlement to a bank account | No; payouts go to crypto wallets | Daily fiat settlement in USD, EUR, GBP, CAD, AUD, MXN or NZD |
| Settlement in crypto | Balance in the coin paid: USDT, USDC, ETH, TRX, TON | Several coins and stablecoins, including USDC, DAI and EURC; USDT is not in the listed settlement currencies |
| Networks for incoming payments | TRON, TON, Ethereum, Arbitrum | See BitPay's site for the current list |
| Payouts to wallets | No Satqo fee; network fee only | Settlement as configured |
| Card to spend the balance | Virtual Mastercard in Apple Pay | Not covered by the pricing page |
Worked examples by order size
Fees on a single payment at each provider's listed rate, for a merchant under USD 500,000 a month. Network fees are left out.
| Order | Satqo (0.5%) | BitPay (2% + 25¢) |
|---|---|---|
| USD 5 (an app top-up) | USD 0.025 | USD 0.35 |
| USD 50 (a month of hosting) | USD 0.25 | USD 1.25 |
| USD 1,000 (a client project) | USD 5 | USD 20.25 |
| USD 10,000 a month in total, 200 orders of USD 50 | USD 50 | USD 250 |
At very large volumes BitPay's rate falls to 1% + 25¢, and Satqo offers custom rates above USD 10,000 a month, so large merchants should ask both for a quote.
Who each one suits
BitPay is the stronger option if…
- you need crypto payments turned into money in your bank account automatically, every day, in one of its settlement currencies; Satqo does not settle to banks;
- your customers pay in Bitcoin, which Satqo has not enabled yet;
- you prefer a provider with a long track record with larger merchants.
Satqo is the stronger option if…
- your customers pay in USDT, especially on TRON, and you want to keep USDT;
- your orders are small and a fixed fee per transaction eats into margin;
- you want no-code tools: invoice links, reusable pay buttons (
pay.satqo.com/b/CODE), a POS screen and your logo on the payment page; - you want to pay suppliers in stablecoins or spend with a virtual card from the same balance instead of going through a bank.
How to switch, step by step
- Open a free account at dash.satqo.com; there is no setup fee.
- Decide what you do with stablecoins. Without bank settlement, plan where funds go: keep them, pay suppliers, sell on an exchange you use, or spend with the card.
- Integrate: create an invoice per order with the API and handle the signed webhook, or paste a pay button into your site if you sell a few fixed-price products. See the API reference.
- Run a test order end to end, including a payout to your own wallet.
- Offer both for a while if some customers pay in coins Satqo does not support.
Sources: bitpay.com/pricing, satqo.com pricing. Checked 7 October 2026.
Frequently asked questions
How much does BitPay charge merchants?
As listed on its pricing page in October 2026: 2% + 25¢ per transaction under USD 500,000 a month, 1.5% + 25¢ up to USD 999,999 and 1% + 25¢ from USD 1,000,000. Higher fees apply to high-risk industries.
Can BitPay settle in USDT?
USDT is not among the settlement currencies listed on BitPay's pricing page as of October 2026. Its list includes USDC, DAI and EURC among stablecoins, plus several fiat currencies.
Does Satqo send money to my bank?
No. Satqo keeps your balance in the coin your customer paid and pays out to crypto wallets. You can also spend the balance with the virtual card where it is available.
Is Satqo cheaper than BitPay?
At listed rates for merchants under USD 500,000 a month, yes: 0.5% flat against 2% + 25¢. The difference is largest on small orders because of the fixed 25¢.
Does Satqo accept Bitcoin?
Not yet. As of October 2026 Satqo accepts payments on TRON, TON, Ethereum and Arbitrum.