Zero transaction fees.
Seriously.
No setup fees. No percentage of your sales. Start free with $500/month volume.
ROI Calculator
See exactly how much you'll save by switching from credit card processing to Bitcoin payments.
Your Business
MCC 5411 — Risk tier: Standard (1.0x)
Max $200 per transaction. Limits vary by country
Current Processing
Calculator Assumptions
- Competitor fees based on published 2026 rates; select "Custom" for negotiated rates
- SatsRail plan auto-selected based on your monthly volume ($5K brackets)
- Plan price adjusted by your merchant category (MCC) risk tier
- Transaction counts calculated from volume / average transaction size
- Actual savings may vary based on transaction size and payment method mix
- Calculator does not include chargeback costs, fraud losses, or time savings
Plans by Monthly Volume
Pay a flat monthly fee based on your payment volume. Zero transaction fees on every plan.
Free
- Up to $500/mo volume
- No credit card required
- No KYB
- Zero transaction fees
- Full API access
- Lightning invoices & QR
Starter
- $5K–$25K/mo volume
- $10/mo per $5K bracket
- KYB required
- Zero transaction fees
- Full API access
- Lightning invoices & QR
Growth
- $30K–$100K/mo volume
- $10/mo per $5K bracket
- KYB required
- Zero transaction fees
- Higher API rate limits
- Priority support
Enterprise
- Over $100K/mo volume
- Volume pricing
- Dedicated support
- Custom rate limits
- Zero transaction fees
- KYB required
Pricing scales in $5,000 brackets: every additional $5K of monthly volume adds $10/mo. KYB verification required for any paid tier.
See all 22 volume tiers
| Plan | Monthly Price | Max Monthly Volume | KYB |
|---|---|---|---|
| Free | $0/mo | $500 | Not required |
| Vol $5K | $10/mo | $5,000 | Required |
| Vol $10K | $20/mo | $10,000 | Required |
| Vol $15K | $30/mo | $15,000 | Required |
| Vol $20K | $40/mo | $20,000 | Required |
| Vol $25K | $50/mo | $25,000 | Required |
| Vol $30K | $60/mo | $30,000 | Required |
| Vol $35K | $70/mo | $35,000 | Required |
| Vol $40K | $80/mo | $40,000 | Required |
| Vol $45K | $90/mo | $45,000 | Required |
| Vol $50K | $100/mo | $50,000 | Required |
| Vol $55K | $110/mo | $55,000 | Required |
| Vol $60K | $120/mo | $60,000 | Required |
| Vol $65K | $130/mo | $65,000 | Required |
| Vol $70K | $140/mo | $70,000 | Required |
| Vol $75K | $150/mo | $75,000 | Required |
| Vol $80K | $160/mo | $80,000 | Required |
| Vol $85K | $170/mo | $85,000 | Required |
| Vol $90K | $180/mo | $90,000 | Required |
| Vol $95K | $190/mo | $95,000 | Required |
| Vol $100K | $200/mo | $100,000 | Required |
| Enterprise | Custom | Unlimited | Required |
Pricing by Merchant Category
Your plan price is multiplied by a risk factor based on your business category (MCC). Most businesses qualify for Standard pricing.
| Risk Tier | Multiplier | Example Categories |
|---|---|---|
| Standard | 1.0× | Most retail, restaurants, services, professional services, hospitality, transportation — the majority of MCCs qualify. |
| Elevated | 1.3× | Digital games, digital media (books/movies/music), money transmitters, government lotteries, video game arcades, timeshares. |
| Restricted | 1.8× | Gambling, dating and escort services, pharmacies, sporting goods, security brokers, direct telemarketing. |
Your tier is assigned during KYB review and shown in your merchant dashboard. See the FAQ entry on risk tiers below.
How Our Pricing Compares
Card processors charge 2.5%–3% per transaction plus a fixed fee. SatsRail charges nothing per transaction — only a flat monthly subscription.
| Processor | % Fee | Per-Transaction | Monthly Fixed | Switch to SatsRail |
|---|---|---|---|---|
| Stripe | 2.9% | $0.30 | $0 | Save 2.9% + $0.30 per transaction |
| Square (Free) | 2.6% | $0.15 | $0 | Save 2.6% + $0.15 per transaction |
| Square Plus | 2.5% | $0.15 | $29 | Save 2.5% + $0.15 + $29/mo |
| PayPal | 2.99% | $0.49 | $0 | Save 2.99% + $0.49 per transaction |
| PayPal Checkout | 3.49% | $0.49 | $0 | Save 3.49% + $0.49 per transaction |
| Shopify Basic | 2.9% | $0.30 | $39 | Save 2.9% + $0.30 + $39/mo |
| Shopify Grow | 2.7% | $0.30 | $105 | Save 2.7% + $0.30 + $105/mo |
| Shopify Advanced | 2.5% | $0.30 | $399 | Save 2.5% + $0.30 + $399/mo |
| High-risk processor | 3.5%–8% | $0.25–$0.50 | $25–$50 | Save 3.5–8% per transaction |
| International high-risk | 7%–12% | $0.50–$0.75 | $75–$150 | Save 7–12% per transaction |
Competitor rates published as of 2026; negotiated enterprise pricing may differ. Use the calculator below to compute exact savings for your volume.
Pricing FAQ
Yes! The Free plan gives you $500/month in volume with full API access, Lightning invoices, and QR codes — no credit card needed, no time limit.
When you outgrow it, paid plans offer higher volume limits.
You'll get a notification when you approach 80% of your limit. You can upgrade anytime.
We'll never cut you off mid-transaction. If you exceed the limit, we'll just ask you to upgrade for the next billing cycle.
Yes. No contracts, no commitments. Cancel from your account dashboard anytime. You'll retain access until the end of your billing period.
No hidden fees from SatsRail. You pay the subscription price, period.
Lightning Network fees are paid by your customers, not by you. These go to routing nodes, not to us.
Your pricing tier is determined by your merchant category code (MCC). Most businesses qualify for Standard pricing (1.0x).
Elevated (1.3×) applies to categories with higher regulatory requirements. Restricted (1.8×) applies to high-risk categories such as gambling or money services.
Your tier is assigned during the review process and displayed in your merchant dashboard.
All subscription plans are payable in Bitcoin via Lightning. Pay for your payment infrastructure with the same technology you're offering your customers.
Ready to Stop Paying 3% Fees?
Start accepting Bitcoin payments with zero transaction fees.
Free forever plan • Payable in Bitcoin via Lightning • Cancel anytime