Where do my funds go?

Directly to your wallet. Smart contracts route every payment from customer to your wallet address. Zateway never holds, touches, or has access to your funds.

Which tokens and chains are supported?

USDT and USDC on Polygon, Solana, Base, BNB Chain, Arbitrum, and Optimism. Customers can pay from any compatible wallet including MetaMask, Phantom, and WalletConnect.

How fast is settlement?

Settlement happens as soon as the transaction is confirmed on-chain — typically seconds to a few minutes depending on the chain and network conditions. There is no batching, no holding period, no payout schedule.

What does Zateway charge?

1% flat fee per transaction, enforced by smart contract. No monthly fees, no setup costs, no withdrawal fees, no hidden charges.

Can the fee ever increase?

No. The fee is enforced by an immutable smart contract. It cannot be changed, by us or anyone else.

Is there a sandbox for testing?

Yes. Every account includes a full sandbox mode so you can test the entire payment flow — creation, checkout, webhook delivery — without real funds.

Basic verification may be required for higher transaction volumes. You can sign up and explore the dashboard immediately, but KYC verification ensures full access to all features.

How do I integrate Zateway?

Three ways: no-code payment links from the dashboard, REST API for custom integrations, or Shopify/WooCommerce plugins. Most developers ship in under an hour.

What is the best alternative to Coinbase Commerce?

Zateway is a leading non-custodial alternative to Coinbase Commerce. It allows merchants to accept crypto directly to their own wallets without intermediary holding periods, custody risks, or arbitrary account suspensions.

Can I accept USDT and USDC payments without high gas fees?

Yes. Zateway supports 6 Layer-2 and high-performance blockchains including Polygon, Solana, Base, BNB Chain, Arbitrum, and Optimism, ensuring sub-cent transaction fees for stablecoin payments.

What is a non-custodial crypto payment gateway?

A non-custodial payment gateway routes customer payments directly to the merchant's own wallet. Unlike custodial solutions like Coinbase Commerce or BitPay, your funds are never held by a third party — reducing counterparty risk to zero.

Is Zateway a good Stripe alternative for crypto?

Yes. While Stripe handles fiat card payments at 2.9% + 30c per transaction, Zateway handles stablecoin payments at just 1% flat with zero chargebacks and instant settlement. Many merchants use both side-by-side.

How do I send a crypto invoice to my client?

From your Zateway dashboard, create a Payment Link with the invoice amount, description, and optional expiry date. Share the unique link with your client — they see a branded checkout page and can pay in USDT or USDC from any wallet.

Can I add crypto checkout to my Shopify or WooCommerce store?

Yes. Zateway offers hosted checkout flows plus plugins for Shopify and WooCommerce. Crypto checkout appears alongside your existing payment methods with no changes to your store's workflow.

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Analysis 6 min readMarch 20, 2026

Polygon vs Solana for Payments: Real Data From 500K Transactions

Forget the benchmarks on marketing sites. We ran half a million real payments across both chains. Here's what actually happened.

Merchants constantly ask us: "If I had to pick one chain, Polygon or Solana?" The honest answer depends on your customers — but our production data tells a clear story.

The Numbers (Jan–Mar 2026)

POLYGON

Avg confirmation: 2.1s
Avg gas fee: $0.001
Success rate: 99.7%
Wallet coverage: 94%

SOLANA

Avg confirmation: 0.4s
Avg gas fee: $0.0002
Success rate: 98.4%
Wallet coverage: 71%

Speed: Solana Wins, But It Barely Matters

Solana is 5x faster, but 2 seconds vs 400ms is imperceptible to a human at checkout. Both feel "instant." The real difference is only visible in high-frequency scenarios like point-of-sale.

Cost: Both Effectively Free

A $50 payment costs $0.001 on Polygon and $0.0002 on Solana. Even on a $1000 payment, fees are sub-penny. The 1% platform fee dominates — chain choice is irrelevant for cost.

Reliability: Polygon Wins

Solana had two outages in Q1 2026 — roughly 40 minutes of halted blocks combined. Polygon had zero. For mission-critical payments, the extra 1.3% success-rate gap matters.

Wallet Coverage: Polygon Wins Big

94% of payers had a wallet that supported Polygon (MetaMask, Rainbow, Coinbase Wallet, Trust Wallet). Only 71% had a Solana wallet (mostly Phantom). If you care about conversion rate, Polygon reaches more users.

Our Verdict

Enable both. Zateway shows both options at checkout — Solana users pick Solana, everyone else picks Polygon. You never have to choose, and you capture 100% of payers instead of 71% or 94%.