Two plans. No hidden setup costs, no annual contracts, no per-transaction floor. Start free and upgrade the moment your volume makes the math obvious.
Try the gateway with zero commitment. No subscription, no setup fee.
Everything to get paid
Lower fees and the tools for serious volume. Cancel anytime.
Everything in Starter, plus
Drag to your expected monthly card volume. We compare what each plan costs you in fees and pick the cheaper one above. Catalyst pays for itself from about $1,970 a month.
Starter
$400
8% fee per month
Catalyst
Cheaper$309
5% fee + $59 plan per month
Catalyst saves you $91 a month, or $1,092 a year, at this volume.
Card fees only. Direct crypto payments cost the same on both plans.
24/7
Automatic USDC payouts
0
Chargebacks
$0
Setup & withdrawal fees
15+
Card providers
Built for verticals others reject
PayLio is purpose-built for any modern revenue line, including the ones traditional processors quietly avoid. Card payments come in, USDC payouts go out. No frozen balances, no merchant-account drama, no chargebacks.
Subscriptions, per-seat plans, token top-ups. Run any AI category, even the spicy ones, without your processor flagging your MCC.
Courses, ebooks, presets, AI prompts. Drop a payment link in your bio and pocket the cut Patreon would have taken from you.
Banks freeze trading deposits on a whim. Card-to-USDC settles typically within seconds to minutes, with zero chargeback exposure on funded-account challenges.
Recurring billing and one-time top-ups for content traditional processors won't touch. Card-in, USDC-out, no merchant-account roulette.
Adult, gaming, supplements, nutra, CBD. If your MCC code makes Stripe nervous, you're already onboarded mentally. Start in minutes.
WooCommerce, native iOS/Android checkouts, custom storefronts via REST API. Card-in, USDC-out, zero chargebacks on every order.
Running a high-risk business? See how high-risk processing works → Don't see your vertical here? Card-to-USDC works for almost any model. Tell us what you're building →
Pick your plan
Whichever vertical you ship in, the choice between plans comes down to one number: monthly card volume.
You want to ship a payment link without signing a contract. Maybe you sell digital products, run a small Discord, or just need to invoice a single client. The 8% fee is the trade for zero monthly cost, so it stays cheap until you scale.
You're processing real card volume and the 3-percentage-point fee saving is bigger than $59 several times over. Your customers see your brand at checkout, smart routing keeps approval rates high, and a real human picks up when something needs to ship today.
Compare plans
Everything Starter ships with, plus the upgrades that unlock on Catalyst.
| Feature | Starter $0 | CatalystPopular $59/mo |
|---|---|---|
| Core gateway | ||
| Card processing fee | 8% | 5% |
| Crypto processing fee | 1.5% | 1.5% |
| Instant USDC payouts | Included | Included |
| Direct crypto payments (15 networks) | Included | Included |
| Polygon settlement | Included | Included |
| Zero chargebacks | Included | Included |
| Unlimited payment links | Included | Included |
| 15+ payment providers | Included | Included |
| Checkout experience | ||
| Hosted checkout page | Included | Included |
| Custom logo & brand colours | Not included | Included |
| Custom domain (pay.your-site.com) | Not included | Included |
| Remove “powered by” badge | Not included | Included |
| Multi-currency display | Included | Included |
| Routing & reliability | ||
| Smart routing across providers | Not included | Included |
| Auto-retry failed authorisations | Not included | Included |
| Region-based provider preference | Not included | Included |
| Provider health monitoring | Not included | Live |
| Integrations | ||
| REST API + webhooks | Included | Included |
| WooCommerce plugin | Included | Included |
| Easy Digital Downloads plugin | Included | Included |
| WHMCS plugin | Included | Included |
| FOSSBilling plugin | Included | Included |
| Paymenter plugin | Included | Included |
| OpenCart plugin | Included | Included |
| PrestaShop plugin | Included | Included |
| Magento 2 plugin | Included | Included |
| Support | ||
| Community & docs | Included | Included |
| Email support | Best-effort | < 24h |
| Priority support | Not included | Included |
| Dedicated Telegram channel | Not included | Included |
| Start free | Upgrade | |
Yes. No setup fee, no monthly minimum, no withdrawal fee. We deduct 8% from each card payment before forwarding USDC to your wallet, and that's it.
1.5% per payment on both plans. When a customer pays you directly in crypto, we deduct 1.5% and forward the rest to your payout wallet in the same coin. For tokens on Tron, the network's own transfer fee is deducted as well.
The break-even is around $1,970 a month in card volume. Below that, Starter is cheaper. Above it, the 3-percentage-point fee saving covers the $59 subscription and Catalyst becomes strictly cheaper, plus you unlock branded checkout, smart routing and priority support.
Anytime. Message us in the live chat or on Telegram and you drop back to the free tier at the end of the current billing period. Branded checkout assets stay saved in case you reactivate later.
When a customer hits checkout, we score every connected on-ramp provider on approval rate, customer region, payment method and current health, then route to the highest-probability winner. If the first attempt is declined, we auto-retry the next best provider behind the scenes.
Each payment can be between 0.01 and 10,000 in your checkout currency, including any fee you pass on to the customer. The card provider may also enforce its own minimum (typically $1 to $30 depending on the provider). There is no monthly volume cap: Catalyst handles high-volume merchants on the same flat 5% rate.
No KYC (identity verification) to create payment links or receive USDC on either plan.
If you process serious volume (north of $250k/month) or need a dedicated escrow, custom contract or whitelabel deal, write us via the contact page or our Telegram and we'll put together a custom proposal.
No setup fee · Cancel anytime
Start with the free Starter plan and your first payment link can be live in under 60 seconds. Move to Catalyst when your volume justifies it. Your payment links and integrations move with you.
