OxaPay review

A price list rather than a headline#

Most providers in this index publish one number and let the rest emerge in conversation. This one publishes six: payment links at 1.5%, donations at 1.5%, merchant invoices at 1.5%, white label at 2%, static addresses at 2% plus a fixed amount, and deposits at 1% once cumulative receipts pass twenty thousand dollars.

That last line is the interesting one, because it is the sort of threshold that usually surfaces after signup. A merchant can model the year from the pricing page alone, which is the practical test this index applies to every fee table it reads.

What the 0.4% actually is#

The homepage leads with fees starting from 0.4% and the pricing page says the rate can be reduced to that level depending on the business. Both statements are true and neither describes what a new merchant pays, which is 1.5% on the standard invoice product.

This card records the rate a merchant can actually sign up at, because a negotiated floor is not verifiable and the method excludes what cannot be checked. Read the 0.4% as the bottom of a discount ladder rather than as a price.

Signup with no documents, stated in writing#

The onboarding claim is unusually direct: no documents, no delays. Plenty of providers imply fast onboarding without committing to what they will ask for, and the difference matters to any business that has been three weeks into a verification queue before being told its vertical is refused.

What that claim does not settle is what happens later, at withdrawal or at volume. The pages we read say nothing about verification triggers further down the funnel, so treat the promise as covering the front door rather than the whole building. The KYB guide covers where those triggers usually sit.

The conversion figure that is missing#

No swap or conversion rate appears anywhere we looked, and the provider clearly runs conversions: the product line includes a swap. A missing conversion figure is the single most expensive gap a fee table can have, because conversion is routinely larger than processing.

That gap is recorded here rather than glossed over. A merchant converting everything cannot compute a total from public pages, which puts this card behind the ones in this index that publish the awkward number as well as the flattering one.

Where the twenty assets sit#

The currencies page enumerates a list in the region of twenty across Bitcoin, Ethereum, Tron, BNB Chain, Polygon, Solana and TON, which is mid-table here. It covers the assets most checkouts actually see and stops well short of the long tail some competitors advertise.

For a merchant whose customers pay in bitcoin and a stablecoin that difference is invisible. For a marketplace whose customers arrive holding whatever they hold, it is a stream of abandoned checkouts nobody files a complaint about.

Two plugins and an API#

WooCommerce and WHMCS are the named integrations, which is narrow. WHMCS is a pointed choice: it is the billing system most hosting resellers run, and its presence says more about the customer base than any marketing page does.

Everything else goes through the API. That is workable for a team with a developer and a real constraint for a shop owner who wanted to install something and move on. The integration checklist is the sanity test to run before committing.

Who should shortlist this#

Hosting resellers, digital-goods sellers and small SaaS operators who want to be live this afternoon, settle in crypto and never open a verification file. The published per-product pricing makes the choice defensible in a way most competitors at this rate do not.

It suits a merchant who holds what they receive. If the plan is to convert every payment to fiat on arrival, the missing conversion rate leaves the most important number unknown, and the cheaper-looking card may not be the cheaper one.

Where OxaPay sits in the index#

A middling asset list and a thin plugin shelf, held up by a fee table that is more specific than most and an onboarding claim that is unusually blunt. Nothing here is best in class and very little is hidden.

The figures above were read off the provider's own pages on 2026-09-02. If integrations carry weight in your evaluation, adjust that slider on the methodology page and watch this card fall several places.