No Extra Gateway Fees, Ever – Just Simple, Flat-Rate Processing
Stop paying monthly just to keep your payment gateway turned on. With Coastal Pay, full gateway access, API tools, and 2,000+ software integrations are included in your processing rate. No separate gateway subscription, setup fee, or access charge, ever.
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Get a Powerful Gateway With No Extra Line-Item Fees
Merchants on Coastal Pay pay a flat 2.5% + $0.15 per transaction and nothing else for the gateway. Stop paying $10 to $50/month just to keep your gateway turned on.
What You Don’t Pay With Coastal Pay
- $0 monthly gateway fee
- $0 gateway setup fee
- $0 virtual terminal fee
- $0 API access fee
- $0 tokenization fee
- $0 basic fraud tool fee
- $0 connector or integration access charge
What You Do Pay
Flat 2.5% + $0.15 per successful transaction. That is the entire line item. The gateway, integrations, and tools are bundled inside that rate.
Everything Is Included for One Simple Processing Rate
The full Coastal Pay Gateway is bundled into your processing rate. No add-ons, no upgrade tiers, no surprise line items.
Payment Acceptance
- Credit and debit cards (Visa, Mastercard, Amex, Discover)
- ACH processing in the same merchant account
- Apple Pay, Google Pay, PayPal, Venmo, Klarna, Afterpay, Coinbase
- Payment links for text, email, and social distribution
- Email invoicing with branded hosted payment pages
- Recurring billing for subscriptions and payment plans
- Virtual terminal for phone and mail-order transactions
- Tap-to-pay on iPhone and Android for mobile acceptance
Security and Compliance
- PCI-ready tools and annual compliance support
- Tokenization and secure vault for card-on-file
- AVS, CVV, and device fingerprinting fraud filters
- 3-D Secure 2 support for higher-ticket transactions
- Chargeback alerts and dispute response workflows
Omnichannel Coverage
E-commerce, retail, mobile, invoicing, and enterprise multi-location operations all run through the same no-extra-fee gateway. One merchant account powers every channel with consistent reporting.
Connect to 2,000+ Platforms Without Paying More for Access
Coastal Pay’s gateway connects to 2,000+ POS, e-commerce, ERP, CRM, and vertical software platforms at no extra cost. The integration directory covers Clover, Lightspeed, Toast, Shopify, WooCommerce, BigCommerce, Magento, QuickBooks, Xero, NetSuite, HubSpot, Salesforce, and major hospitality, healthcare, automotive, and B2B systems.
Developer Access Included
- Full REST API access
- Developer documentation with examples and recipe guides
- Sandbox environment for testing
- SDKs and webhooks for real-time event push
- Direct support from a real integration team, not just self-serve docs
No “API access fee,” “connector fee,” or “platform surcharge” tacked onto your bill. What is included in the integration directory stays included.
Trusted by Growing Brands That Switched to Ditch Gateway Fees
Scale Stats
- $1.6B+ total volume processed
- 27M+ transactions processed
- 4,962+ active U.S. merchants
- 13 acquiring bank relationships providing routing redundancy
Brands Coastal Pay Supports
Automotive: Dodge, Chrysler, Ford, Jeep. Hospitality: Hampton Inn, Baymont Inn & Suites. Retail: Play It Again Sports. Telecom: T-Mobile. Energy: Pennzoil. Lifestyle: Harley-Davidson.
What Merchants Say After Switching
“The biggest unexpected win was removing the separate gateway subscription we had been paying for years. With Coastal Pay, the gateway and integrations come bundled with processing – one rate, one bill, no surprise line items.”
Representative feedback from Coastal Pay merchant transitions.
Merchants typically save $120 to $600 per year just by dropping separate gateway subscriptions, before adding the savings from lower per-transaction processing rates.
Start Accepting Payments in Minutes With No Gateway Subscription
Instant boarding, flat-rate pricing, and $0 gateway fee for every Coastal Pay merchant.
The 3-Step Flow
- Apply online through the SignUp Link flow (60 to 90 seconds)
- Get approved in approximately 2 minutes through direct-to-underwriting automation
- Start taking payments with no gateway subscription, same-day processing live
Or Talk to a Payments Specialist: 888-266-1715
No hidden gateway fees. Transparent pricing from day one. Registered ISO/MSP with Wells Fargo and Axiom Bank.
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If you are evaluating Coastal Pay for your online store and wondering whether 2.5% + $0.15 is actually competitive in 2026, this is the guide to answer that with real numbers. We compare the rate against Stripe, Square, PayPal, and Shopify Payments at five different volume tiers, show the effective rate by average order size, and give you a simple formula to calculate your own savings before making any decision.
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If you run a retail business in 2026, tap-to-pay isn’t a nice-to-have – it is how your best customers expect to pay. In this guide, we break down the leading tap-to-pay providers retailers look at today – Square, Stripe, Clover, Toast, and key SoftPOS vendors – and show exactly where Coastal Pay fits, including pricing, hardware options, and how fast you can get approved and start taking contactless payments.
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Every dollar your organization pays in processing fees is a dollar that does not go toward your mission. Finding the right payment processor for your nonprofit means balancing low fees, donor convenience, and the ability to accept donations across events, online campaigns, and recurring giving programs. In this guide, we compare the top options in 2026 and show where Coastal Pay fits for organizations wanting low all-in costs and a flexible, omnichannel giving platform.
