Flat-Rate Online Payments at 2.5% + $0.15 Per Transaction
Stop overpaying for simple online payments. Coastal Pay gives growing e-commerce brands a true flat rate of 2.5% + $0.15 per successful domestic card transaction, with a modern gateway, 2,000+ integrations, and instant approvals so you can switch fast without disrupting your store.
No monthly gateway fee. 2,000+ integrations. Same secure experience your customers expect.
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Cut Your E-Commerce Processing Costs Without Complex Pricing
Coastal Pay’s flat rate is exactly what it says: 2.5% of the transaction amount plus $0.15 per successful transaction, applied to standard domestic online card payments. No tiered pricing tiers, no qualified vs non-qualified categories, no mid-qual surcharges.
What is included:
- Access to the Coastal Pay Gateway with no separate monthly gateway fee
- Tokenization for saved cards and recurring billing
- Basic fraud tools including AVS and CVV verification
- U.S.-based customer support
- Centralized reporting and batch management
Fee examples at common order values:
| Order Value | Coastal Pay Fee (2.5% + $0.15) | Amount You Keep |
|---|---|---|
| $25.00 | $0.78 | $24.22 |
| $75.00 | $2.03 | $72.97 |
| $150.00 | $3.90 | $146.10 |
Additional fees that may apply: chargeback fees, cross-border surcharges on international cards, and American Express variations. See full pricing terms. No long-term contract or early termination fee for standard merchant accounts.
How Coastal Pay Stacks Up Against Stripe, Square, and PayPal
Here is how Coastal Pay’s flat-rate e-commerce pricing compares to the most commonly used flat-rate processors. Rates shown are standard published online card transaction rates as of 2026.
| Provider | Standard Online Rate | Per-Transaction Fee | Monthly Gateway Fee | Fee on a $50 Order | Notes |
|---|---|---|---|---|---|
| Coastal Pay | 2.5% | $0.15 | None | $1.40 | Dual pricing available, ACH built in, 2,000+ integrations, instant approval |
| Stripe | 2.9% | $0.30 | None (basic plan) | $1.75 | Developer-focused, strong integrations, limited dual pricing |
| Square | 2.9% to 3.3% | $0.30 | None (basic plan) | $1.75 to $1.95 | Good for in-person plus online, limited fee-pass options |
| PayPal | 2.99% | $0.49 | None (standard) | $1.99 | High buyer trust, higher dispute risk for service businesses |
On a single $50 order, Coastal Pay saves approximately $0.35 compared to Stripe and up to $0.59 compared to PayPal. At 1,000 orders per month averaging $50, that is $350 to $590 saved every month – or $4,200 to $7,080 per year – without changing a single thing about how your customers check out.
Savings grow further at higher average order values and volumes. Merchants on Coastal Pay’s dual pricing program can eliminate card fees entirely by presenting a cash or ACH price and a card price at checkout, making the effective net processing cost close to zero on qualifying transactions.
Savings callout: At $50,000/month in online card volume, switching from Stripe (2.9% + $0.30) to Coastal Pay (2.5% + $0.15) saves approximately $350 per month in percentage fees alone, before accounting for per-transaction differences.
Rate comparisons based on publicly available standard online transaction pricing for each provider as of 2026. Actual rates may vary based on card type, transaction characteristics, and negotiated agreements. Coastal Pay rates apply to standard domestic online card transactions. See full pricing terms.
Built for Growing Online Stores: Gateway, 2,000+ Integrations, and Faster Funding
Coastal Pay’s flat rate is not a stripped-down price for a stripped-down product. The gateway includes everything a growing e-commerce brand needs to scale without switching processors again.
Gateway Capabilities Included
- Card and ACH processing in the same account with no separate ACH provider needed
- Payment links and email invoicing for non-cart checkout flows
- Tokenization for saved cards and subscription or membership billing
- Recurring billing and installment plan support
- Centralized reporting across all sales channels
Alternative Payment Methods
All of the following can be activated through the same Coastal Pay gateway account alongside your flat-rate card processing:
- Apple Pay, Google Pay, PayPal, Venmo for mobile and wallet-first buyers
- Klarna and Afterpay for Buy Now Pay Later on orders above $75
- Coinbase for crypto-native or international buyers
- ACH bank transfers for high-ticket or B2B orders
2,000+ E-Commerce and Platform Integrations
Coastal Pay connects to 2,000+ platforms including Shopify, WooCommerce, BigCommerce, Magento, and leading POS and ERP systems, so switching does not mean rebuilding your store or losing integrations you depend on.
“We moved from Stripe to Coastal Pay and were live on WooCommerce the same afternoon. The rate difference alone paid for the time it took to switch within the first month.” – E-commerce merchant, Coastal Pay customer
“The gateway has everything Stripe had for our use case, and we are paying less per transaction. The support team was actually available when we had questions during setup.” – DTC brand owner, Coastal Pay customer
Common Questions About Coastal Pay’s Flat-Rate E-Commerce Pricing
- What is Coastal Pay’s flat rate for e-commerce payments?
- Coastal Pay charges a flat rate of 2.5% + $0.15 per successful domestic online card transaction with no separate monthly gateway fee. This is lower than Stripe (2.9% + $0.30), Square (2.9 to 3.3% + $0.30), and PayPal (2.99% + $0.49) on standard e-commerce transactions.
- Is Coastal Pay a good Stripe alternative for e-commerce?
- Yes. Coastal Pay offers a lower flat rate (2.5% + $0.15 vs Stripe’s 2.9% + $0.30), no monthly gateway fee, 2,000+ software integrations including Shopify and WooCommerce, and instant merchant approval in approximately 2 minutes. Coastal Pay also supports dual pricing to eliminate card fees, ACH, and alternative payment methods like Apple Pay, Google Pay, Klarna, and Afterpay in the same gateway account.
- Does Coastal Pay charge a monthly gateway fee for e-commerce?
- No. The Coastal Pay Gateway has no monthly gateway fee. Merchants pay the flat rate of 2.5% + $0.15 per successful transaction. There is no separate gateway subscription required to access card processing, ACH, or alternative payment methods.
- Which e-commerce platforms does Coastal Pay integrate with?
- Coastal Pay integrates with 2,000+ e-commerce platforms and software tools including Shopify, WooCommerce, BigCommerce, Magento, and many more. Developers can also connect directly via the Coastal Pay API for custom storefronts.
- How long does it take to get approved and start processing with Coastal Pay?
- Most standard-risk U.S. e-commerce merchants are approved in approximately 2 minutes through Coastal Pay’s instant boarding process. Once approved, the gateway can be connected to Shopify, WooCommerce, or a custom store and merchants can begin processing the same day.
Start Processing Online Payments at 2.5% + $0.15 Today
Apply in 2 minutes and start processing e-commerce payments at a flat rate lower than Stripe, Square, and PayPal. Your rate stays consistent as you grow, with options to discuss custom pricing at higher monthly volumes.
Already processing? Call 888-266-1715 and ask a U.S.-based payments expert to compare your current statement against Coastal Pay’s flat rate. Or explore related resources:
- Dual pricing – eliminate card fees entirely
- Coastal Pay Gateway features and docs
- Alternative payment methods – Apple Pay, Klarna, ACH, and more
- Full integration directory – 2,000+ platforms
No long-term contract. Instant approval. U.S.-based support. Coastal Pay Inc. is a registered ISO/MSP with Wells Fargo, Concord, CA and Axiom Bank, N.A., Maitland, FL.
How to Take Online Payments Without Paying Separate Gateway Fees
If your statement keeps showing a “gateway fee” line every month, you are paying more than you need to just to take payments online. In this guide, we will show you how to get rid of standalone gateway charges for good and how Coastal Pay’s flat 2.5% + $0.15, no-gateway-fee model can simplify your costs while keeping your checkout fast and secure.
Keep More Revenue From Every Payment, With the Methods Your Customers Actually Use
Stop treating payment types like random buttons on your checkout. With Coastal Pay, every method – Apple Pay, Google Pay, Venmo, PayPal, Klarna, Afterpay, ACH, Coinbase and more – is wired to increase approvals, boost order values, and cut your processing costs compared to Stripe and Square.
How Adding New Ways to Pay with Coastal Pay Increased Revenue by 18% in 90 Days
A mid-sized online retailer thought they had a traffic problem – high cart abandonment, mobile drop-off, and customers asking for PayPal and pay-over-time. They did not have a traffic problem. They had a payment problem. By turning on multiple new payment types through the Coastal Pay Gateway, they increased revenue by 18% in just 90 days without spending more on ads.
Make More Money Every Month by Offering More Ways to Pay
You do not make more money by adding random payment buttons – you grow revenue when each payment type lifts approvals, order values, and repeat purchases. Coastal Pay connects Apple Pay, Google Pay, PayPal, Venmo, ACH, Klarna, Afterpay, Coinbase and more on a single gateway, so every new way to pay is a clear path to higher monthly revenue.
