October 1, 2026
Vulta vs OxaPay: Fees, Custody and Card Support Compared (2026)
OxaPay charges 1.5% on payment links and invoices (2% white label) and holds funds on its balance. Compare it with Vulta: 0% fees, direct-to-wallet settlement and card payments.
OxaPay is a crypto payment gateway popular with online businesses that want quick setup and many coins. Here is how it compares with Vulta on the things that affect your margins and your risk.
At a glance
| OxaPay | Vulta | |
|---|---|---|
| Payment links / invoices | 1.5% per transaction | 0% |
| White label | 2% per transaction | Included in Max ($49/month) |
| Where payments go | OxaPay balance, then withdrawal | Directly to your wallet |
| Withdrawal fees | Per network (e.g. 1 USDT on TRON) | None — nothing to withdraw |
| Card payments | Crypto only | Yes, via licensed card providers |
From OxaPay's pricing page at the time of writing; OxaPay says fees can be lowered to 0.4% depending on your business.
What 1.5% costs you
On $15,000 a month in payment-link sales, OxaPay's standard 1.5% is $225, plus withdrawal fees each time you move money out. On Vulta that volume fits Max: $49 flat, no withdrawals, nothing deducted from payments.
Custody and risk
Payments to OxaPay accumulate on your OxaPay balance until you withdraw. Vulta has no balance: each payment is an on-chain transfer to the wallet you configured. There is no account to freeze and no withdrawal queue.
Card payments
OxaPay accepts crypto. Vulta adds card checkout: the customer pays with a card through a licensed provider available in their country, and USDC arrives in your wallet. You can hide crypto completely with a card-only link if your customers aren't crypto users.
The verdict
OxaPay is a reasonable choice for crypto-only merchants who like its static addresses and broad coin list. If you want to keep 100% of each payment, receive funds directly and accept cards too, Vulta is the better fit.
See Vulta's plans or create a free account.
Frequently asked questions
Can OxaPay fees be lowered?
OxaPay states fees can go down to 0.4% depending on your business. Vulta's fee per payment is 0% on every plan.
Does Vulta support static deposit addresses?
Vulta creates a payment request with a unique amount for each order, so payments match automatically. Business accounts can also use wallet pools to assign unique addresses.
How fast do payments arrive with Vulta?
As fast as the network confirms them — usually seconds to a minute on TRON, Polygon, Solana and Base. There is no withdrawal step because funds go straight to your wallet.
Can I accept both cards and crypto on one link?
Yes. A Card + Crypto link lets the customer choose; a Card only link hides crypto completely.