Question 1

Where do my funds go?

Accepted Answer

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.

Question 2

Which tokens and chains are supported?

Accepted Answer

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

Question 3

How fast is settlement?

Accepted Answer

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.

Question 4

What does Zateway charge?

Accepted Answer

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

Question 5

Can the fee ever increase?

Accepted Answer

For payments processed through our on-chain router contracts, the 1% fee rate is immutable — it cannot be changed by anyone. For all payment paths, the fee rate is governed by our Terms of Service.

Question 6

Is there a sandbox for testing?

Accepted Answer

Yes. Zateway includes a separate test mode with zate_test_* keys and sandbox-tagged sessions so you can exercise checkout and webhook flows on testnet without mixing them with live traffic.

Question 7

Do I need to KYC?

Accepted Answer

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.

Question 8

How do I integrate Zateway?

Accepted Answer

Three ways: no-code payment links from the dashboard, REST API for custom integrations, or hosted checkout pages. Shopify and WooCommerce plugins are coming soon. Most developers ship in under an hour.

Question 9

What is the best alternative to Coinbase Commerce?

Accepted Answer

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.

Question 10

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

Accepted Answer

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.

Question 11

What is a non-custodial crypto payment gateway?

Accepted Answer

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.

Question 12

Is Zateway a good Stripe alternative for crypto?

Accepted Answer

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 direct on-chain settlement. Many merchants use both side-by-side.

Question 13

How do I send a crypto invoice to my client?

Accepted Answer

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.

Question 14

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

Accepted Answer

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.

Feature	Mercuryo	Zateway
Custody	Mercuryo-managed	Non-custodial
Fee	On-ramp spreads	1% flat
Settlement	Delayed or batched	Instant on-chain
Stablecoins	Limited or converted	USDT + USDC native
Chargebacks	Possible on fiat rails	Zero on-chain

Zateway vs Mercuryo

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