Choose the wallet setup for your business

Start free and pay only when your business grows.

You start with $15 in free credit. At 0.5%, that covers your first $3,000 in payments.

Choose whether payments go directly to your own wallet, or to a store wallet you settle later.

Bring Your Own Wallet

Funds land directly in a wallet you already control.

0.5% per successful transaction

after your $15 free credit

Use my own wallet

What you get

  • No monthly fee
  • Unlimited stores
  • No settlement step
  • No infrastructure fee
  • Best for high volume
  • Some chains still ask the customer to connect a wallet
Best checkout experience

Paymento Embedded Wallet

Funds land in a store wallet only you can authorize.

0.5% + $0.20 per successful transaction

after your $15 free credit

Get started

What you get

  • No monthly fee
  • No wallet connection on most networks
  • No seed phrase to handle
  • Paymento never holds your funds
  • First store included
  • You pay the network fee when you settle

Example fee

For a $100 successful payment:

Bring Your Own Wallet $0.50
Embedded Wallet $0.70

Network fees may apply when settling Embedded Wallet funds.

How pricing works

A closer look at the rates above, and exactly when each one applies.

Payment processing 0.5%

Charged on successful payments only. Failed and expired payments cost nothing.

Embedded Wallet infrastructure $0.20

Per transaction, on Embedded Wallet stores only. Covers the secure key infrastructure. Bring Your Own Wallet does not pay it.

Additional Embedded Wallet store $10 one-time

Your first store is included. Each extra store, for a second business or brand, is a one-time fee. Not a subscription.

Settlement network fee Varies

Paid to the blockchain network when you settle, not to Paymento, and not covered by your free credit. Bring Your Own Wallet has no settlement step.

Common questions

Bring Your Own Wallet uses your own wallet addresses, and funds land there directly. Embedded Wallet creates a non-custodial store wallet for you, which removes the wallet connection at checkout on most networks. You settle those funds to your own wallet when you choose.

The $0.20 covers the secure key infrastructure that keeps your store wallet non-custodial. Bring Your Own Wallet does not need it, because you already hold the keys.

No. Both options are non-custodial. With Embedded Wallet, funds arrive in a store wallet only you can authorize, and every settlement requires your authenticated merchant session.

When you register you get $15 in free credit, and Paymento fees draw from it until it runs out. At 0.5% that covers your first $3,000 in payments. With Embedded Wallet the $0.20 per transaction draws on the credit too, so the exact volume depends on how many payments you take. The blockchain network fee at settlement is not a Paymento fee and is not covered.

Yes, while your free credit lasts and after it. Paymento fronts the transaction so you never need native tokens on each chain, then deducts the actual cost from your Paymento balance. Bring Your Own Wallet has no settlement step, so this does not apply.

No. The Paymento fee is 0.5%, plus $0.20 per transaction on Embedded Wallet stores. The only other cost is the blockchain network fee at settlement, paid to the network and not to Paymento.

Each order creates a separate receiving address in your store wallet. Settlement consolidates those balances into the wallet you registered, in one action, when you decide to do it.

Paymento supports stablecoins like USDC and USDT, plus Bitcoin, Litecoin, Dogecoin and many more. See the full list on the supported assets page.

No. There is no cap on volume. Your free credit only decides when Paymento fees start being charged.

Choose Embedded Wallet if you want the smoothest checkout and would rather not manage wallet infrastructure. Choose Bring Your Own Wallet if you run high volume, already manage wallets, or want funds to land directly with no settlement step.

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