Fees structure

Fee types

XGateway charges the following fees:

• XGateway processing and exchange fees per commercial agreement terms

• Technical fees to cover mining, gas, or consolidation expenses (for Crypto Payments deposits)

Additionally, network fees are paid by a customer directly to miners in case of cryptocurrency transactions. The specific fee structure varies across different blockchains.

Fee structure

Applied fees vary depending on the payment method type, used network etc.

Fiat payment fees

For the fiat payment, the XGateway deducts only the processing and exchange fee, which is adjusted by a minimum deposit fee. The exact amount is defined by a contract signed with a Merchant.

Bitcoin payment fees

For Bitcoin transactions, XGateway only charges a processing and exchange fee, which is adjusted by a minimum deposit fee.

The processing and exchange fee is set in the commercial agreement between XGateway and the merchant based on transaction volume and selected plan. It is generally lower for crypto processing without conversion, and higher with conversion to cover exchange costs.

Bitcoin transaction fees vary with blockchain congestion, which can cause fluctuations in the minimum deposit fee. To provide more predictability despite these fluctuations, XGateway uses the adjustable BTC minimum deposit fee.

Ethereum and ERC-20 tokens

On the Ethereum network, crypto processing involves more consolidation and technical transactions like moving funds between asset pools. As a result, Ethereum and ERC-20 transactions incur two types of fees:

• XGateway processing and exchange fee

• Technical fee

The technical fee is used to cover gas expenses for consolidation and technical transactions to compensate miners.

Since gas prices fluctuate on the blockchain, the technical fee changes over time. It is generally determined by averaging the Ethereum and stablecoins deposit transaction fees from the past 7 days and dividing the result by 2. The fee can be adjusted to account for increases in mining costs due to specific blockchain conditions.

Tron and TRC-20 tokens

The Tron blockchain has technical similarities to Ethereum. As such, the Tron fee structure aligns closely with Ethereum.

For Tron and TRC-20 transactions, two fee components are subtracted:

• XGateway processing and exchange fee

• Technical fee

The technical fee is generally determined by averaging the deposit transaction fees from the past 7 days and dividing the result by 2. The fee can be adjusted to account for increases in mining costs due to specific blockchain conditions.

Polygon, Solana, BNB, Bahamut and their tokens

For the transactions on those blockchains, two fee components are subtracted:

• XGateway processing and exchange fee

• Technical fee

The technical fee is generally determined by averaging the deposit transaction fees from the past 7 days and dividing the result by 2. The fee can be adjusted to account for increases in mining costs due to specific blockchain conditions.

Network fee

The network fee is independent of XGateway and is paid by the sender when the transaction is broadcast to the blockchain. It varies based on the specific network and current load.

Deposits

For deposits, the customer pays the network fee. XGateway provides visibility into the fee amount for informational purposes in the merchant back office and deposit callback.

Merchants can choose to reimburse customers for this fee.

Withdrawals

For withdrawals, the network fee is deducted from the merchant's XGateway balance.