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.
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See How Coastal Pay, Stripe, and Square Stack Up on Revenue From Payment Types
The processor that supports the most payment methods your customers prefer is the processor that captures the most revenue from your existing traffic. Here is how the three compare on the features that directly affect your bottom line.
| Feature | Coastal Pay | Stripe | Square |
|---|---|---|---|
| Standard online card rate | 2.5% + $0.15 | 2.9% + $0.30 | 2.9% to 3.3% + $0.30 |
| Monthly gateway fee | None | None (basic) | None (basic) |
| Apple Pay and Google Pay | Yes – built in | Yes | Yes |
| PayPal | Yes – built in | Via add-on | No |
| Venmo | Yes – built in | No | No |
| Klarna (BNPL) | Yes – built in | Via add-on | No |
| Afterpay (BNPL) | Yes – built in | No | Yes (owned product) |
| ACH bank transfers | Yes – built in | Via add-on | Limited |
| Coinbase (crypto) | Yes – built in | No | No |
| Dual pricing (fee elimination) | Yes – built in | Limited | No |
| Software integrations | 2,000+ | Large (developer-focused) | Moderate |
| Instant merchant approval | ~2 minutes | Fast (self-serve) | Fast (self-serve) |
| Consultative onboarding support | Yes | Self-serve | Self-serve |
Rates based on publicly available standard pricing as of 2026. Stripe and Square rates shown for standard domestic online card transactions. Coastal Pay rate applies to standard domestic online card transactions. See full Coastal Pay pricing terms.
Turn More Payment Options Into Real Monthly Revenue
Every payment method Coastal Pay supports targets a specific revenue lever. Adding the right mix is not about adding buttons – it is about matching how your customers already want to pay.
- More approvals: Apple Pay and Google Pay complete purchases even when a card on file is declined or expired. ACH provides a direct bank route when cards fail. Every rescued transaction is revenue that would otherwise be lost at the final step of checkout.
- Bigger average tickets: Klarna and Afterpay split larger purchases into installments, removing sticker hesitation. A $150 average order can become $180 or more when customers see “Pay in 4 interest-free payments” directly on the product page. Merchants adding BNPL commonly see 10 to 30 percent AOV lifts on orders above $75.
- Lower cost per transaction: Dual pricing lets qualifying merchants pass card fees to cardholders and offer a lower rate for ACH or cash payments, making the effective net cost close to zero on qualifying transactions. Routing high-ticket B2B orders to ACH cuts fee costs significantly compared to processing the same amount as a card transaction.
Why Growing Brands Switch to Coastal Pay
- 4,962+ active merchants nationwide
- $1,661,238,760+ in total volume processed
- 27,495,204+ transactions processed securely
- 13 acquiring bank relationships
Trusted by growth-focused brands across retail, e-commerce, restaurants, hospitality, automotive services, coaching, and B2B. Registered ISO/MSP with Wells Fargo and Axiom Bank.
“We moved from Stripe to Coastal Pay and added Apple Pay, Klarna, and ACH in the same week. Our mobile conversion went up noticeably and we stopped absorbing card fees on our wholesale accounts. The rate difference alone covers the cost of switching several times over.” – E-commerce and wholesale brand, Coastal Pay merchant
“Square was fine for the register but it couldn’t give us Venmo, BNPL, or dual pricing. Coastal Pay had all of it in one account. We’re now processing across in-person and online with one dashboard and paying less per transaction.” – Multi-channel retailer, Coastal Pay merchant
How Can I Generate More Revenue by Offering Different Payment Types?
- How can I generate more revenue by offering different payment types?
- You generate more revenue from payment types through three levers: higher checkout approvals (adding Apple Pay, Google Pay, and ACH rescues declined card transactions), higher average order value (Klarna and Afterpay BNPL lift tickets on purchases above $75), and lower net cost per transaction (dual pricing and ACH routing reduce what you pay per sale). Coastal Pay supports all of these on a single gateway with instant approval in approximately 2 minutes.
- How does Coastal Pay compare to Stripe for alternative payment methods?
- Coastal Pay supports a broader out-of-the-box alternative payment mix than Stripe, including Apple Pay, Google Pay, PayPal, Venmo, ACH, Klarna, Afterpay, and Coinbase in one account, plus built-in dual pricing to eliminate card fees. Stripe requires additional configuration or separate agreements for several of these. Coastal Pay’s flat rate of 2.5% + $0.15 is also lower than Stripe’s standard 2.9% + $0.30.
- How does Coastal Pay compare to Square for payment types and revenue tools?
- Square is strong for in-person retail but has more limited support for alternative payment methods and does not offer dual pricing to eliminate card fees. Coastal Pay supports a wider range of methods including ACH, Venmo, Coinbase, Klarna, and Afterpay alongside cards, plus connects to 2,000+ software integrations for online and in-person channels.
- How fast can I go live with new payment methods through Coastal Pay?
- Most U.S. merchants are approved through Coastal Pay’s instant boarding in approximately 2 minutes. Once approved, Apple Pay, Google Pay, PayPal, Venmo, ACH, Klarna, Afterpay, and Coinbase can all be activated in the same Coastal Pay Gateway account and are typically live the same day. Coastal Pay connects to 2,000+ integrations including Shopify, WooCommerce, and custom APIs.
Start Capturing More Revenue From Every Payment
Get approved in 2 minutes and unlock Apple Pay, Venmo, Klarna, ACH, and more on one gateway. Coastal Pay connects to 2,000+ software integrations, so switching fits your existing tools without a rebuild.
Talk to a payments specialist: 888-266-1715
No long-term contract. Instant approval. U.S.-based support. Registered ISO/MSP with Wells Fargo and Axiom Bank.
How to Accept Google Pay In-Store Without Square (Retail Setup With Coastal Pay)
If your customers keep asking “Can I just tap with Google Pay?” at the counter, you do not have to run your whole business through Square to say yes. In this guide, we show you the exact hardware, setup steps, and costs to accept Google Pay in your physical retail store with Coastal Pay, plus how it stacks up against Square, Clover, Toast, and Stripe.
Cheaper Dwolla Alternatives for Large ACH and Bank Transfers in 2026
If your ACH or bank transfer volume has outgrown Dwolla’s pricing, you are not alone. Many finance and product teams hit a point where a few cents per transfer plus platform fees become real money at scale. In this guide, we break down where Dwolla’s costs add up, which alternatives are truly cheaper, and when Coastal Pay can cut your large-ticket transfer costs without adding complexity.
Get Approved to Take Payments Online in Minutes
Turn your first online sale from “someday” into “today.” With Coastal Pay’s instant boarding, most standard-risk businesses can get approved and start taking online payments in about 2 minutes. No weeks of bank paperwork, no waiting on manual reviews.
Best Payment Methods to Increase E-Commerce Checkout Conversion in 2026
If shoppers reach your checkout and still do not buy, your payment options are part of the problem. In this guide, we break down which payment methods actually move your e-commerce checkout conversion rate in 2026, and how to switch on cards, wallets, ACH, BNPL, Venmo, and more through a single Coastal Pay setup.
