Accept USDT & USDC directly to your wallet across 6 chains. 1% flat fee, direct on-chain settlement, enforced by smart contract — not by us.
Every arc is a stablecoin payment settling on-chain. Six chains. Eighteen cities shown. Real-time visualization of the network.
Stripe, PayPal, and Square are excellent rails — for American retail circa 2010. If you sell software to Indonesia, settle to a DAO treasury, or get paid in USDT by an Argentinian client, the legacy stack quietly bleeds you with fees, delays, and risk you never agreed to absorb.
On a $100 invoice, Stripe takes $3.20. On a $10,000 invoice, $290. Multiply by thousands of invoices a year — you're funding a competitor's payroll. Crypto rails settle at ~1% flat, no floor, no per-transaction fixed fee.
Processors hold your money while it earns interest on their balance sheet. Rolling reserves, batch payouts, weekend delays. With stablecoins, finality is network-level — Polygon confirms in ~2 seconds and those funds are yours.
Even legitimate sales get reversed months after delivery. Merchants eat the fee, the product, and the dispute admin. On-chain payments have no reversal mechanism — a confirmed block is a confirmed sale.
Try onboarding as a Nigerian SaaS founder, a Vietnamese game studio, or a Pakistani freelance agency. Stripe Atlas, Payoneer, Wise — each has a disqualifying country list. Stablecoins have no passport check.
Sell anything slightly non-standard — crypto, gambling, vape, consulting packages over $5K — and a processor quietly tags you high-risk. They hold 5–25% of every payment for months. We don't classify you. We route your money.
PayPal and card networks quote interbank rates then apply a 2–4% conversion markup on top of their processing fee. USDC is already dollar-denominated. No FX. No markup. What you invoice is what lands on-chain.
We route stablecoin payments from customer to merchant on public blockchains. 1% fee is enforced on-chain by smart contract. No bank reserves, no chargeback risk, no country list. If the internet works where you are, Zateway works where you are.
From no-code payment links to fully programmable APIs — choose how you want to get paid.
Unlike traditional payment gateways, Zateway never holds your funds. Every payment is routed by on-chain smart contract directly from your customer to your wallet. No escrow. No holding periods. No counterparty risk.
No vanity metrics. No fabricated testimonials. Just the four numbers a merchant actually cares about — live from the database.
We route customers to the chain that fits — based on where they are, what wallet they use, and what they already hold. You don't pick. The router does.
Battle-tested. Cheap gas. Widest wallet coverage. When you don't know which chain to pick, pick Polygon. It's the one your customers probably already have.
Drag the slider to your monthly volume. We model Stripe's published US card rate (2.9% plus a $0.30 per-transaction fixed fee) against Zateway's 1% flat on-chain fee. Real savings compound — reinvested in engineering, not in processor margin.
No holding periods. No delays. A direct path from your customer's wallet to yours.
Generate a payment from your dashboard, API, or payment link. Set amount, token, and chain. Takes 10 seconds.
Your customer opens the checkout and pays with USDT or USDC from any wallet — MetaMask, Phantom, or WalletConnect.
Smart contract routes funds directly to your wallet. You receive 99%. Confirmed with on-chain verification. Done.
Whether you're a solo freelancer or an enterprise platform, Zateway adapts to your workflow.
Dashboards you can hand to your ops team. Webhooks you can wire into your ERP. Analytics that make revenue reviews boring — in a good way.
The Zateway dashboard is the operational source of truth. Filter payments by chain, token, status, merchant, or date. Drill into any payment to see the on-chain transaction hash, block number, confirmation depth, and the webhook delivery log for that event.
Every lifecycle event — created, pending, confirmed, reverted, expired, refunded — is posted to your endpoint as a signed JSON payload. Replay any event from the dashboard. Inspect delivery attempts, response bodies, and headers. Replay protection is first-class, not an afterthought.
Every account comes with a dedicated test mode so you can exercise the checkout and webhook flow without mixing it with live traffic. Use separate zate_test_* keys, send testnet funds on Polygon Amoy, and watch sandbox-tagged sessions stay isolated from production data.
We only benchmark against the gateways merchants actually choose between — crypto-native processors. Public, published rates. Dimensions that decide whether a processor ships you revenue or bleeds it.
| DIMENSION | Zateway THIS IS US | Coinbase Commerce | BitPay | NOWPayments | CoinGate | BTCPay |
|---|---|---|---|---|---|---|
| Flat processing fee | 1% on-chain | 1% platform | 1% + network | 0.5% + 3rd-party swaps | 1% (0% w/ CGPay) | 0% + self-host costs |
| Settlement speed | < 4 sec on Polygon | Hours (to merchant wallet) | Hours | Hours | Hours to 1 day | Seconds (self-custody) |
| Non-custodial | Yes — smart contract | Custodial (held then released) | Custodial | Custodial (hot wallet) | Custodial | Yes — self-hosted |
| Account suspension risk | None — no account to close | Yes — Coinbase can freeze | Yes — KYC-gated | Yes — can freeze payouts | Yes — jurisdictional | None — you run the server |
| Chargeback exposure | None — on-chain final | None — on-chain | None — on-chain | None — on-chain | None — on-chain | None — on-chain |
| Chains supported | 6 (Polygon, SOL, Base, BSC, Arbitrum, OP) | Ethereum, Polygon, Solana, Base | BTC-heavy + some EVM | 80+ (quality varies) | ~20 coins | Depends on full nodes run |
| Stablecoin support | USDT + USDC native, L2-first | USDC, DAI | USDC, GUSD, BUSD (limited) | Most via routed swaps | USDT, USDC, DAI | LN + any self-run node |
| Auto-convert to fiat | No — keep crypto (v1) | Yes — via Coinbase | Yes — USD/EUR payouts | Limited (requires partner) | Yes — bank payout | No — crypto only |
| Fee enforcement | On-chain, hardcoded | Off-chain T&Cs | Off-chain T&Cs | Tiered & negotiable | Plan-based | N/A (self-hosted) |
| Setup friction | 5 min, self-serve | Coinbase account + approval | KYB approval required | Email signup | Email signup + KYB | Server, node, SSL, maintenance |
| No-code integration | Payment links + hosted checkout | Checkout + buttons | Invoices + buttons | Payment links | Checkout + POS | Hosted UI if self-deployed |
| Developer API | REST + webhooks + SDK | REST + webhooks | REST (older spec) | REST + webhooks | REST + webhooks | Greenfield BTCPay API |
| DevOps required | Zero — SaaS | Zero — SaaS | Zero — SaaS | Zero — SaaS | Zero — SaaS | High — you host everything |
| Country availability | Internet-global | Global (account approval) | ~220 regions w/ KYC | Global | Global ex-restricted | Global (self-hosted) |
Create a payment session with one POST. We handle wallet detection, block confirmations, fee splitting, and webhook delivery.
Built for scale. Hardened for production. Every component designed for reliability.
We never touch your funds. Smart contracts handle every transfer on-chain.
No batching. No holding period. Funds arrive in your wallet once the transaction is confirmed on-chain.
HMAC webhooks, CSRF protection, replay prevention, rate limiting, and encrypted API keys.
Multi-region serverless deployment. Auto-scaling infrastructure with zero downtime deploys.
On-chain block depth verification. Reorg detection. Double-spend protection.
6 chains today. Adding more. Single API, unified webhook format across all networks.
Each chain is monitored by an independent listener with reorg protection, gap detection, and per-block depth verification. Your customer picks the network they already use — you get a unified webhook regardless.
A payment session on Zateway traverses three distinct subsystems before a webhook lands in your backend. Each is independently verifiable — and each lives in a different failure domain.
ZatewayRouter is deployed and verified on every supported chain. On payment, it atomically splits the transfer: 99% to the merchant wallet, 1% to the protocol multisig. The fee percentage is immutable per deployment — published, hashed, and referenced in every webhook.
A dedicated listener subscribes to finalized block streams from a redundant RPC set per chain. When ZatewayRouter emits a PaymentCompleted event, the engine waits for the configured depth, checks for reorgs, and only then marks the payment confirmed.
Confirmed events fan out to merchant webhooks via a BullMQ queue. Each delivery carries an HMAC-SHA256 signature over the payload + nonce + timestamp. Retries use exponential backoff up to 5 attempts; permanent failures land in a dead-letter queue you can replay.
Payment infrastructure gets exactly one chance to earn your trust. Here is the full surface area we worry about — and what we've shipped against it.
One fee. No fine print. No surprises.
per transaction — the only fee
Everything you need to know about Zateway's payment rail.
Three representative merchants running Zateway in production. Names changed, numbers real. If any of these shapes match yours, the onboarding flow will feel familiar within the first hour.
12-person remote design studio. Clients in 14 countries. Previously on Stripe + Wise.
“We stopped losing APAC deals at the checkout page. That alone paid for the integration in a month.”
Two-person AI content platform. Usage-based pricing, high volume of $5–$50 transactions.
“Removing the $0.30 fixed component on tiny transactions is the single biggest margin move we've made.”
Shopify Plus merchant selling enthusiast hardware globally. Orders from 62 countries in 2025.
“The Shopify plugin install took eleven minutes. By Tuesday we were processing USDT from customers in Lagos and Karachi.”
A public commit log for the product. We update this when things actually ship — not when marketing thinks they might.
The infrastructure layer that powers the next generation of crypto commerce.
Funds go directly to your wallet — no intermediary ever touches your money. True non-custodial architecture backed by immutable smart contracts.
1% flat fee per transaction, enforced by smart contract. No monthly fees, no hidden charges, no surprise rate hikes. What you see is what you pay.
Accept USDT and USDC across Polygon, Solana, Base, BNB Chain, Arbitrum, and Optimism. One integration, six chains, zero complexity.
INTEGRATES WITH
Set up in 2 minutes. No monthly fees. Verification only kicks in for higher-volume accounts.