Whitepay: обзор

Zero on everything except the pay-in#

Settlement, payouts, conversions and mass payouts are all published at 0%. No other card in this index states that, and given that conversion and payout are normally the unpublished components that dominate the real cost, a provider putting zeros against all of them publicly is making an unusually strong claim.

The pay-in rate is a 0.4% to 1.5% band tied to monthly volume, so the low end is not the entry rate and the band is where the entire cost lives. That is a coherent structure rather than a hidden one: everything is in one number, and the number depends on your volume.

Settlement in stablecoin, not in bank currency#

Settlement is described in USDT and USDC rather than in a fiat currency paid to a bank account. That is a meaningful distinction and it is easy to read past when a page says settlement is free.

For a business comfortable holding stablecoins this is the cheapest structure in the index. For one that needs money in a bank, there is a further step and a further cost that this provider does not describe, and the zeros do not cover it. The settlement entry covers why the two are not interchangeable.

Broad feature surface, thin operational detail#

Mass payouts, white label, recurring billing and point of sale are all documented as products, and 200 or more assets puts coverage second only to the widest provider here. That is a lot of capability described publicly.

Networks, merchant verification and plugin coverage are not published, which leaves exactly the questions an integration depends on. The card sits below the 80% threshold for that reason, so it appears in the catalogue and not in comparisons or switching pages. That is the gate working as designed rather than a judgement about the provider.

How this card scores where it does#

Cost carries a high score on the published zeros across settlement, payouts, conversion and mass payouts, which is the strongest fee disclosure in the index. Coverage scores well on 200 or more assets.

Onboarding, integrations and support all score at the index floor, and they do so because nothing is published about any of them rather than because anything is known to be poor. That distinction is why the card sits below the publication threshold for comparisons.

Who should not choose this#

A business that needs bank currency. Settlement described in USDT and USDC is not fiat settlement, and the published zeros do not extend to whatever gets you from one to the other.

A store that needs a plugin for a specific cart, since integrations are not named. That is answerable by asking, and it needs asking before any planning.

What the volume band means in practice#

A pay-in rate between 0.4% and 1.5% tied to monthly volume means the published range spans nearly four times, and where you land inside it is the entire cost question. The zeros elsewhere are genuine and they do not narrow that band.

For a small merchant, plan against the top of the range rather than the bottom. For one with volume, this becomes among the cheapest structures in the index precisely because nothing else is charged.

Either way the number needs to come from a quote, and it is the first thing to ask for.

Treat the published band as the whole cost question and get your position inside it before anything else.

Where Whitepay sits in the index#

The short version of this card: published zeros on everything except the pay-in band. Every figure above was read off the provider's own pages on 2026-08-31, and the fields it declines to publish are recorded as such rather than left blank.

Three of the five criteria sit at the index floor on undisclosed fields rather than on known weaknesses, so the total understates this provider by an unknown margin. Asking about networks, verification and integrations would move the card above the publication threshold.