Crypto Payment Fees: What a Merchant Actually Pays

A crypto payment involves three types of fees, which are not paid by the same person. The merchant pays a processing fee set by its contract with the provider. The customer pays the blockchain network fees. Any conversion, into euros or between cryptos, can add conversion fees.

What fees does the merchant pay?

With Lyzi, the merchant pays a processing fee on cryptocurrency and stablecoin payments. It covers the payment infrastructure, orchestration across more than 500 wallets and the integrated exchanges, compliance checks and, where applicable, settlement in euros. Its level depends on volume, integration type and the options chosen: it is set in the contract.

In store, the merchant does not buy new hardware: acceptance is added to the payment terminals already in place, with more than one million compatible terminals.

What fees does the customer pay?

Blockchain network fees, called gas, are paid by the payer. They are added to the amount and are usually paid in the network's native token, such as ETH, POL or AVAX. They are set by the blockchain, not by Lyzi or by the merchant. Any fees are displayed to the customer before they validate the payment.

What about conversion into euros?

The merchant chooses to be settled in euros or in regulated stablecoins such as USDC or EURC. The exchange and volatility risk is borne by Lyzi, not by the merchant. When a conversion between assets takes place, a spread or conversion fees may apply, depending on the payment method and the settlement option chosen.

How much does the transfer to the bank account cost?

Payments are credited in USDC or EURC to the merchant's balance, in the back office. With the "Withdraw" function, the payment provider converts the funds and transfers them in euros to the merchant's bank account. Transfers are triggered from €1,000 cumulated, and the provider may charge up to 0.5% per transfer.

The cost that disappears: chargebacks

A crypto payment confirmed on the blockchain cannot be charged back, unlike a card payment. For a luxury house or an e-commerce site exposed to disputes, that is one less cost and one less management burden.

How to estimate the cost for your business?

Three elements are enough: the expected monthly crypto volume, the channel (store, e-commerce or API) and the desired settlement currency. A network that wants to offer the service to its merchants goes through a PSP and bank integration. The Lyzi FAQ answers practical questions about payment statuses and transfers, and the complete guide to crypto payment covers the journey end to end.

Lyzi is a brand of Proofeo SAS, a payment agent registered with the ACPR (REGAFI no. 749869). For a proposal suited to your volume, contact the Lyzi team.