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PortalPay vs Coinbase Commerce: Complete Solution

Lower fees, plus accept traditional payments. Free POS/PMS systems. Built for real businesses, not just crypto enthusiasts.

25%
Lower Fees
$300
Average Annual Savings
Instant
Settlement Time

Feature Comparison

FeaturePortalPayCoinbase Commerce
Processing Fee0.5-1%1%
Accept Crypto
Accept Cards/Apple PayYes (via onramp)No
Customer Needs CryptoNoYes
POS SystemFree includedNot available
Restaurant FeaturesFull POS + KDSPayment only
Hotel PMSFree includedNot available
Retail InventoryFree includedNot available
Analytics DashboardFree includedBasic only
White-LabelFull brandingLimited
SettlementInstantInstant
Supported Tokens5+ on Base100+ multi-chain
Customer SupportDirectEmail only

Real-World Savings Examples

Online Store ($10k crypto/month)

With Coinbase Commerce:$1,200/year
With PortalPay:$750/year
You Save:$450
38% annual savings

Restaurant ($15k mixed/month)

With Coinbase Commerce:$1,800/year
With PortalPay:$1,125/year
You Save:$675
38% annual savings

Service Business ($8k/month)

With Coinbase Commerce:$960/year
With PortalPay:$600/year
You Save:$360
38% annual savings

Retail Store ($12k/month)

With Coinbase Commerce:$1,440/year
With PortalPay:$900/year
You Save:$540
38% annual savings

How to Switch from Coinbase Commerce to PortalPay

  1. 1

    Keep Coinbase Commerce if desired

  2. 2

    Add PortalPay for expanded features

  3. 3

    Enable card payments via onramp

  4. 4

    Use free POS/PMS systems

  5. 5

    Serve both crypto natives and traditional customers

  6. 6

    Compare which works better for your use case

Why Businesses Switch to PortalPay

Problems with Coinbase Commerce

  • High processing fees (1.00%)
  • Slow settlement (1-3 business days)
  • Chargeback losses
  • Requires traditional bank account
  • Limited crypto support

Benefits of PortalPay

  • Ultra-low fees (0.5-1% total)
  • No monthly fees ever
  • Instant settlement (seconds)
  • Zero chargebacks
  • No bank account required
  • Accept both crypto and cards
  • Free enterprise features included

Frequently Asked Questions

Is it hard to switch from Coinbase Commerce to PortalPay?

No! Most businesses complete the switch in under an hour. You can export your data from Coinbase Commerce, set up your PortalPay account, and start accepting payments the same day. Many merchants run both systems in parallel for a week to ensure a smooth transition. Our support team helps with the migration.

Will my customers need crypto wallets?

No. While crypto enthusiasts can pay directly with their wallets, any customer can pay using credit/debit cards, Apple Pay, or Google Pay through our onramp. We handle the crypto conversion instantly. Your customers won't even know it's crypto - they just see a simple payment experience.

How much will I really save?

On average, businesses save 70-85% on total payment processing costs. The exact savings depend on your monthly volume and current Coinbase Commerce plan. Use our cost calculator above to see your specific savings. Most businesses save between $2,000-10,000 annually.

Do I need a bank account to use PortalPay?

No! This is a major advantage over Coinbase Commerce. Payments go directly to your crypto wallet. You can hold as crypto, convert to stablecoins, or cash out to your local currency. Perfect for international businesses or new companies that struggle with traditional banking.

What about features I use in Coinbase Commerce?

PortalPay includes all essential features for your industry - and they're all free. We have specialized POS systems for restaurants, retail, hotels, and more. Check the feature comparison table above to see specific capabilities. In most cases, you'll get more features than Coinbase Commerce offers, at no extra cost.

Is settlement really instant?

Yes! Crypto transactions settle in seconds, not days. Compare this to Coinbase Commerce's 1-3 business day wait. You have immediate access to your funds for restocking, payroll, or any other needs. No more waiting for batch processing or dealing with hold times.

Ready to Save $0.3k+ Per Year?

Join thousands of businesses that switched from Coinbase Commerce to PortalPay and never looked back. Lower fees, better features, instant settlement.

No bank account required • No monthly fees • Switch in minutes

Accepted here

Apple PayApple Pay
Google PayGoogle Pay
Samsung PaySamsung Pay
VisaVisa
MastercardMastercard
American ExpressAmerican Express
CryptoCrypto
$Cash

Technology partners

Microsoft AzureMicrosoft Azure
Amazon Web ServicesAmazon Web Services
ThirdwebThirdweb
Base (Ethereum L2)
EthereumEthereum
PortalPay vs Coinbase Commerce | Better Features + Lower Fees • PortalPay