Live
Get paid in crypto
The plans above
- Starter: $0, 20 payments a month free
- Pro: $19.99 a month + 1.75%
- Business: $59.99 a month + 1.5%, lower on volume
The customer never pays a TapCoin Pay fee at checkout.
Pricing
Free to start. A small fee on paid plans, billed to your card, never taken from the payment.
Your customer pays your wallet directly and TapCoin Pay never touches it. On Pro and Business we bill a percentage of each successful payment to your card every week, or as soon as it reaches $50, itemised. Starter is $0, no card, and pays no fee.
Starter
$0/mo
no card required
0% on the first 20 payments a month. No card needed.
- 20 payments a month
- Pay buttons, payment links and QR
- Hosted checkout
- Dashboard and payment history
- 1 wallet per asset
Pro Most popular
$19.99/mo
billed monthly, plus 1.75% per successful payment
Everything a business needs to get paid.
- Unlimited payments
- Invoices with line items and due dates
- WooCommerce plugin
- REST API and signed webhooks
- Branded receipts
- Branding kit: badges and a printable QR sign
- TapCoin POS, one location
Business
$59.99/mo
billed monthly, plus 1.5% per successful payment
For volume, teams and selling to AI agents.
- Everything in Pro
- 1.25% past $10k a month, 1.0% past $50k
- AgentPay seller endpoints: put an API behind a price for AI agents
- TapCoin Assets: tokenize the rights in a signed agreement and sell units through checkout
- Agent spend policies
- Multiple POS locations
- Priority support
- Volume pricing
Enterprise
Talk to us
custom pricing, negotiated rates
Custom terms for high-volume and regulated businesses.
- Everything in Business
- Negotiated per-payment rate
- Custom limits and terms
- Security and compliance review
- Dedicated support channel
Prices in USD. Yearly is ten months for the price of twelve: $199.90 and $599.90. Every plan is non-custodial: funds go to your wallet on every tier. Network fees are set by each blockchain and paid by the sender.
Pricing by service
What each service costs, in one place.
Every fee is billed to a card, like any software bill. None of it is ever taken out of a payment, a circle pot or an escrow.
Live
XRP Circles
$2 per member, per round
- Added when each round opens, billed to the organizer's card with the weekly invoice
- Members pay $0 to TapCoin Pay
- Never taken from the pot
Example: 10 members paying monthly is $20 a month, $200 for the full 10-month circle. The organizer sees the full cost before anyone joins.
Coming soon
Escrow
1% of the amount, $2 minimum, $25 maximum
- Billed to whoever opens the escrow
- Never taken from the locked funds
- Same price whether it releases or refunds
Example: a $500 escrow costs $5. A $10,000 escrow costs $25.
Live on XRPL
Tokenize your assets
Included in Business
- Issue tokens from your own wallet
- Sales through checkout at your plan's rate
- Hedera option coming soon, same price
You pay the blockchain's own small network fee when you issue, usually a fraction of a cent.
XRP Circles is live at the price above. The Escrow price is a launch price and may change before it opens; we will post the final price here first. Blockchain network fees are set by each network and paid by whoever sends the transaction.
How fees work
The customer pays you. We bill you. Two separate things.
Because TapCoin Pay never holds the payment, the fee cannot come out of it. It is billed like any other software bill.
1. The payment lands in your wallet
Your customer sends the full amount on-chain to an address you control. TapCoin Pay watches the ledger and confirms it. Nothing is deducted, routed or held.
2. We write down the fee
On confirmation we record a line in your fee ledger: the payment, the rate, the fee. You can see every line in the dashboard as it happens.
3. A small card bill each week
Every week, or as soon as your fees reach $50, your card on file is charged once, with every payment listed. Balances under $1 roll forward. No pooled balances, no holds, no payouts to wait for.
Or: the fee comes out in the same tap
Live for XRP and RLUSDLive for XRP and RLUSDOn the XRP Ledger, your customer can sign one payment that sends your share straight to your wallet and our small fee straight to us, at the same moment. No card bill, nothing to settle later, and your money still never passes through us. It is off until you turn it on under Settings, "How you pay our fee". Anything else stays on weekly card billing. The Hedera version comes later.
On the XRP Ledger, your customer can sign one payment that sends your share straight to your wallet and our small fee straight to us, at the same moment. No card bill, nothing to settle later, and your money still never passes through us. It is off until you turn it on under Settings, "How you pay our fee". HBAR and everything else stay on weekly card billing. The Hedera version comes later.
| Payment | Starter | Pro (1.75%) | Business (1.5%) | Enterprise |
|---|---|---|---|---|
| $10 | $0.00 | $0.18 | $0.15 | negotiated |
| $100 | $0.00 | $1.75 | $1.50 | negotiated |
| $1,000 | $0.00 | $17.50 | $15.00 | negotiated |
| $10,000 | $0.00 | $175.00 | $150.00 | negotiated |
Fee per payment, on top of the monthly subscription. Starter covers 20 payments a month at 0%; past that you upgrade, and no fee is ever collected on Starter. Business drops to 1.25% on volume past $10k in a month and 1.0% past $50k.
Why we cost a little more
Other processors are cheaper because they hold your money.
With a custodial processor, your customer pays them, not you. Your money sits in their account until they decide to pay you out. With TapCoin Pay it lands in your own wallet in seconds, and nobody can stop it, including us.
They hold it
Every sale goes into the processor's account first. Until they pay you out, it is a balance on their books, not money in your hands.
They can stop it
Their terms let them hold payouts, freeze accounts for review, or close you down. If that happens, your money waits on their decision.
With us, nobody can
The customer pays your wallet directly. We never have your money, so we cannot hold it, freeze it or lose it. Our fee is a separate card bill.
| Provider | Who holds your money | Can they freeze or hold it? | When it is yours | Cost on $10,000 a month |
|---|---|---|---|---|
| TapCoin Pay Starter | You do | No. We never have it | Seconds, when the chain confirms | $0 (first 20 payments) |
| TapCoin Pay Pro | You do | No. We never have it | Seconds, when the chain confirms | $194.99 |
| TapCoin Pay Business | You do | No. We never have it | Seconds, when the chain confirms | $209.99 |
| CoinGate | They do | Yes, under their terms | On their payout schedule | $100 |
| Coinbase Business | They do | Yes, under their terms | On their payout schedule | $100 |
| BitPay | They do | Yes, under their terms | On their payout schedule | about $210 |
| NOWPayments | They do | Yes, under their terms | On their payout schedule | $50 to $150 (not in the US) |
| BTCPay Server | You do | No | Seconds | $0, plus running your own server |
Competitor prices as published September 2026; check their sites for current terms. "Under their terms" means their published account terms allow holds, reviews or closures; how often that happens varies. Yes, a 1% processor costs less per sale. The difference is the price of the money being yours the moment it confirms.
Calculator
See your monthly bill, side by side.
Answer two questions. Green is us: the money is in your wallet the whole time. Red is a processor that holds your money first.
$0$25k$50k$75k$100k
This tells us how many sales you make. 100 payments a month. It matters for the free plan's 20-sale limit and for BitPay's per-sale charge.
Starter is $0 while you stay within 20 sales a month; past that the calculator shows Pro, the plan you would need. Business is 1.5%, then 1.25% on sales after your month passes $10k and 1.0% after $50k. 1% processor means CoinGate or Coinbase Business. BitPay is 2% plus $0.25 per sale at its entry tier.
Billing FAQ
Questions about paying for TapCoin Pay.
How can you charge a percentage if you never touch the money?
The customer pays your wallet in full, on-chain. When the payment confirms, we record the fee as a number in your fee ledger. Every week, or as soon as your fees reach $50, we charge the card on your subscription once, itemised per payment. Nothing is deducted, held or paid out. We batch the fees instead of charging per sale because the card network takes about 30 cents every time a card is charged.
What happens if my card fails?
We retry and email you. After two consecutive failed invoices, new checkouts pause until the card is fixed. Existing checkouts keep verifying, your wallets are untouched and nothing on-chain is affected, because we were never holding anything.
Is Starter really free?
Yes. $0 a month, no card, and 0% on the first 20 confirmed payments a month. No fee is ever collected from a Starter account. Expired or abandoned checkouts do not count. When you reach 20 in a calendar month you get an email asking you to upgrade.
Are you cheaper than a 1% processor?
Per transaction, no. Pro is 1.75% plus $19.99 a month and Business is 1.5% plus $59.99. What you get for the difference is the money in your own wallet the moment the chain confirms, no custody risk, no payout schedule and no account freezes. Starter is free forever for small volume.
Who pays the AgentPay fee?
The agent, not you. Anonymous agents see $0.01 per released call added to the 402 amount. Registered agent operators draw it from prepaid credits ($10, $25 or $100 packs, first 100 calls a month free, $1 signup credit). Selling to agents is a Business feature; there is no per-plan call quota.
What does an XRP Circle cost?
$2 per member per round, billed to the organizer's card. A 10-person circle that pays monthly costs $20 a month, or $200 for the whole 10-month cycle. Members pay nothing to TapCoin Pay, and nothing ever comes out of the pot. If the organizer's card fails, members can still release or recover their money with their own wallets.
What does escrow cost?
1% of the escrow amount, at least $2 and never more than $25, billed to the card of whoever opens it. The locked funds are never touched, and the price is the same whether the deal releases or refunds.
How do I pay for my subscription?
By card, through Stripe. The same card carries the monthly fee invoice. Yearly plans are ten months for the price of twelve.
Can I cancel any time?
Yes. Cancel from the billing page and your plan runs until the end of the period you already paid for. Fees accrued before you cancel are billed on the next monthly invoice. Your payment history and wallets stay in your account on Starter.
Do I need a paid plan to use the WooCommerce plugin or the API?
Yes, both are Pro features. You can install the plugin and create test-mode API keys on Starter to build your integration, and upgrade when you are ready to go live.
Is there a nonprofit or open-source discount?
Registered nonprofits and open-source projects get the Pro subscription at half price. Email hello@tapcoinpay.com with a link to your organization.
The money lands in your wallet. Instantly.
Start free with no card, add a wallet address, and take your first crypto payment today.