Moneta vs 2Checkout (Verifone)
Compare payment processing fees and features. See how much your business can save by switching from 2Checkout (Verifone) to Moneta's zero-fee stablecoin payments.
Savings Calculator
Calculate how much you'll save by switching to Moneta
Detailed Fee Comparison
| Fee Type | Moneta | 2Checkout (Verifone) |
|---|---|---|
| Transaction Fee (%) | 0% | 3.5% |
| Fixed Fee per Transaction | ~$0.001 | $0.35 |
| Currency Conversion / FX Markup | 0% | 2% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Software Company
$100,000/month
A software company selling licenses globally. 2Checkout's 3.5% + $0.35 on $100K monthly equals $3,500+ in fees.
SaaS Startup
$50,000/month
A SaaS company with global subscribers. 2Checkout's fees on $50K MRR exceed $1,750 monthly, impacting runway.
Digital Product Creator
$20,000/month
An indie developer selling digital products. 3.5% + $0.35 per sale significantly reduces margins on $20-50 products.
Online Course Platform
$75,000/month
An education platform selling courses worldwide. 2Checkout's fees on $75K monthly exceed $2,625.
Pros and Cons
Moneta
Pros
- Zero transaction fees (vs 3.5% + $0.35)
- Instant settlement (vs weekly/monthly)
- Self-custody of funds
- No chargeback risk
- 100% transparent pricing
- No minimum payouts
- Works globally without restrictions
- No account holds
Cons
- No merchant of record service
- No global tax compliance handling
- No digital product delivery
- No affiliate management
- Basic subscription features
- Recipients need crypto wallets
2Checkout (Verifone)
Pros
- Merchant of record simplifies compliance
- Global VAT/GST/sales tax handling
- Digital product delivery built-in
- Comprehensive subscription management
- Affiliate management system
- 200+ countries supported
- Localized checkout experiences
- Fraud protection included
Cons
- 3.5% + $0.35 minimum fees
- Higher tiers even more expensive
- Weekly/monthly payouts only
- Complex pricing tiers
- Chargeback fees and risk
- Account holds possible
- Minimum payout thresholds
- Long payout delays
Which Should You Choose?
Choose Moneta if you:
- Want to eliminate payment fees
- Need instant access to funds
- Handle tax compliance yourself
- Sell primarily B2B
- Have crypto-accepting customers
- Prefer simple, transparent pricing
- Don't need merchant of record
Choose 2Checkout (Verifone) if you:
- Need merchant of record service
- Sell digital products to consumers globally
- Require global tax compliance handling
- Need built-in affiliate management
- Want comprehensive subscription billing
- Prefer all-in-one digital commerce platform
Frequently Asked Questions
What is 2Checkout's merchant of record model?
As merchant of record, 2Checkout legally sells your product on your behalf, handling VAT/GST collection, tax remittance, and compliance. This simplifies global selling but comes at a cost—3.5%+ fees. Moneta doesn't offer this, so you handle tax compliance yourself.
How does Moneta compare for selling digital products?
2Checkout specializes in digital goods with built-in delivery, licensing, and subscription management. Moneta is payment-only—you'd need separate tools for delivery and licensing. For simple payments, Moneta saves 3.5%+. For full digital commerce, 2Checkout is more comprehensive.
What about global tax compliance?
2Checkout handles VAT, GST, and sales tax collection and remittance in 200+ countries. With Moneta, you're responsible for tax compliance. For businesses selling to consumers globally, 2Checkout's tax handling may be worth the fees. For B2B, Moneta's savings are clearer.
How do settlement times compare?
2Checkout typically pays out weekly or monthly, holding funds for extended periods. Moneta settles instantly—you have immediate access to funds. For cash flow, Moneta's instant settlement is a significant advantage.
Is 2Checkout's affiliate management valuable?
2Checkout includes built-in affiliate management for software and digital products. Moneta doesn't offer this. If affiliate marketing is core to your strategy, 2Checkout's integration is valuable. Otherwise, the 3.5%+ fees may not be justified.
Can I use Moneta for subscription billing?
2Checkout offers comprehensive subscription management with dunning, upgrades/downgrades, and trials. Moneta's subscription support is basic—you'd implement billing logic yourself. For complex subscription businesses, 2Checkout's features may justify the cost.
About 2Checkout (Verifone)
2Checkout (now part of Verifone) is a global payment platform founded in 1999, specializing in digital goods, software, and SaaS sales. It offers a merchant of record model where 2Checkout handles tax compliance, billing, and global payments on behalf of sellers. While this simplifies international selling, the fees (3.5% + $0.35 or higher) are among the highest in the industry, significantly impacting margins.
Ready to switch from 2Checkout (Verifone)?
Join thousands of businesses saving $7,019/year by switching to zero-fee stablecoin payments.
No spam, ever. Unsubscribe anytime.