Stop Paying Monthly Gateway Fees on Top of Your Processing

Most payment processors stack costs on top of your transaction rate: a $15 to $30 monthly gateway fee, a per-transaction “auth fee” of $0.05 to $0.10, a PCI compliance fee, a statement fee, and sometimes a “platform” or “tech” fee. Together these often add $50 to $100 per month before a single sale happens.

Coastal Pay eliminates the separate gateway subscription entirely and rolls everything into one transparent rate.

Typical Processor vs. Coastal Pay

• Typical provider: 2.9% + $0.30 per transaction + $25/month gateway fee + $0.05/tx auth fee + $20/month junk fees = $540/month at $15K volume
• Coastal Pay: Flat 2.5% + $0.15 per transaction with $0 gateway fee and no add-on charges = $420/month at $15K volume

Annualized savings: ~$1,440 on the gateway side alone, before factoring in the lower processing rate.

How Coastal Pay’s Flat 2.5% + $0.15 Pricing Works

Flat 2.5% + $0.15 per successful transaction. No separate gateway fee. No setup fee. No monthly minimum.

The flat rate covers interchange, assessments, and the Coastal Pay markup. The Coastal Pay Gateway is bundled at no extra cost—meaning the gateway is included at no extra cost with full access to:

• Virtual terminal for phone and mail orders
• Payment links for text and email invoicing
• Email invoicing with hosted payment pages
• Tokenization for stored cards and recurring billing
• Basic reporting and reconciliation tools

For merchants who want to eliminate net processing cost on card transactions, Coastal Pay also offers a dual pricing program that can shift card fees to cardholders compliantly. This is optional and runs at the same flat rate when activated.

Built for Growth: 2,000+ Integrations, Cards, ACH, and More

Eliminating the gateway fee does not mean losing features. The Coastal Pay Gateway includes everything growth-focused businesses need:

• 2,000+ software and POS integrations across retail, restaurant, hotel, automotive, healthcare, and B2B verticals – including Clover, Lightspeed, Toast, Shopify, WooCommerce, QuickBooks, and Xero
• All major payment methods: Visa, Mastercard, Amex, Discover, ACH, Apple Pay, Google Pay, PayPal, Venmo, Klarna, Afterpay, Coinbase
• Multi-channel coverage: In-person POS, e-commerce checkout, payment links, email invoicing, virtual terminal, and tap-to-pay on phone – all from one merchant account
• Fast, stable, and secure: PCI-compliant tokenization, bank-grade encryption, 13 acquiring bank relationships, U.S.-based phone support
• Centralized reporting: Consolidated dashboard across all locations and channels with role-based access

Trusted by Growth-Focused Businesses Across the U.S.

• 4,962+ active merchants
• $1.6B+ processed
• 27M+ transactions
• 13 acquiring bank relationships

“Switching to Coastal Pay cut our monthly gateway fees to zero and dropped our effective rate by nearly a full percentage point. Same gateway features, same speed, simpler bill.”

– Representative merchant feedback from Coastal Pay gateway transitions

Coastal Pay merchants include businesses in automotive, hospitality, retail, restaurants, professional services, and SaaS – from single-location operators to multi-state franchise groups.

FAQs About Our “No Gateway Fee” Pricing

Is your payment gateway free?

The Coastal Pay Gateway is included at $0/month with no separate setup fee, no monthly gateway fee, and no per-transaction gateway surcharge. Standard processing fees still apply at flat 2.5% + $0.15 per successful transaction, which covers interchange and assessments. No mainstream provider can offer zero fees overall because card networks always charge interchange; Coastal Pay eliminates the separate gateway subscription on top.

How do I apply?

Complete the form above or visit coastalpay.com/get-started. Have your legal business name, EIN or SSN, bank account details, and ID ready. Most applications complete in about 2 minutes with an instant approval decision.

Who is eligible?

U.S.-based businesses across retail, e-commerce, restaurants, hotels, travel, coaching, pharmacies, B2B, and many other industries. Approval criteria include U.S. business registration, a valid business bank account, and standard underwriting. High-risk industries are reviewed case by case.

What’s included at no extra cost?

Gateway access, virtual terminal, payment links, email invoicing, ACH processing, Apple Pay, Google Pay, PayPal, Venmo, Klarna, Afterpay, Coinbase, 2,000+ software integrations, tokenization, basic reporting, and U.S.-based phone support.

Get Approved in 2 Minutes

Or call: 888-266-1715